在长期计划经济体制下,我国专业银行信贷资金实行统存统贷,盈亏由国家承担,加之时有行政干预现象,银行的信贷自主权不够落实,造成了重贷轻还、重放轻管的弊端,以至非正常贷款,尤其是“一逾两呆”贷款增多,信贷潜在风险程度逐年加深。在一些地方,不仅企业亏损挂帐长期转嫁由银行垫支,企业库存商品帐实不符虚占银行资金,而且还把扭亏增盈寄希望于银行对原有贷款的停息挂帐。长此下去,势必严重影响专业银行向商业银行的转化进程,加大银行信贷风险和经营难度。因此,我认为:应采用以下途径积极预防银行贷款风险。 Under the long-term planned economic system, the credit funds of the specialized banks in our country are unified and unified, while the profits and losses are borne by the state. Combined with administrative intervention, the credit autonomy of the banks is not implemented enough, resulting in the reimbursement of heavy loans, Malpractices, and even non-normal loans, especially loans with more than one stay increased, and the potential risks of credit increased year by year. In some places, not only the long-term transfer of corporate loss accounts has been suspended by the banks, the stock of goods in stockpiles does not match the bank funds, but the losses and gains have also been pinned on the bank’s suspension of loans. In the long run, it is bound to seriously affect the transformation of specialized banks into commercial banks and increase the bank’s credit risk and operational difficulties. Therefore, I think: The following ways should be taken to actively prevent bank loan risks.