Marx's bank credit theory has gone through the test of The Times,and has always maintained the quality of advancing with The Times,which is still of guiding significance for the research on credit risk management of commercial banks under the background of digital economy.At present,the credit risk management of commercial banks presents the status quo that the num-ber of concerned loans has increased significantly,the quantity of non-performing loans is still large,and the credit risk preven-tion and control ability has been enhanced.Commercial banks are faced with the dilemma that the early warning of credit risk is still immature,the means of credit risk mitigation is single and the collateral management mechanism is not perfect.In response to these problems,commercial banks need to play the role of digital technology,and adhere to the introduction and education of dig-ital talents;Expand the means of credit risk mitigation and change the passive situation of the loan market;Unified the assess-ment standards of collateral,and improve the value assessment level.
Marx's Bank Credit TheoryDigital EconomyCommercial BanksWarning of Credit RiskCredit Risk Mitigation
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