中文摘要：

正当全球进入“后危机时代”之时，哈萨克斯坦银行业却出现了业绩急速下滑、逾期贷款激增、坏账比例增多等问题，引起了IMF和国际评级机构的特别关注，哈萨克斯坦政府及时出台“反危机计划”，通过对“问题银行”的债务重组、注资等，扭转了哈萨克斯坦银行业的信用危机。然而，哈萨克斯坦银行业并没有完全走出危机的阴影，不良贷款、收不抵支等问题依然困扰着哈萨克斯坦的部分银行。本文从国际评级机构对哈萨克斯坦银行业的信用评价入手，结合哈萨克斯坦银行业的现状，对其进行潜在信用风险的分析，认为哈萨克斯坦银行业依然存在贷款质量低下、收不抵支、巨额亏损的信用风险。

英文摘要：

When the world entered a ＂Post Crisis Era＂, problems appeared in the banking industry, such as a rapid decline in performance, overdue loans, increased bad debt ratio, which has caused serious concern from IMF and international rating agencies. The government of Kazakhstan timely introduced the ＂anti crisis＂ plan, reversing the Kazakhstan banking credit crisis by the debt restructuring, such as asset injection. However, the banking industry in Kazakhstan is not completely out of the shadow of the crisis, such problems as the non - performing loans, spending outpaced revenue still plagued part of Bank of Kazakhstan. This paper, from the international rating agency evaluation of Credit Bank of Kazakhstan, combined with the status quo of the Bank of Kazakhstan, analyzes the potential credit risk of the banking industry in Kazakhstan, and holds that there still exists some credit risk.