“5.12”汶川大地震使地震灾区惨遭重创,为加快灾后重建步伐,保障民生,各银行业金融机构加大对灾区基础设施重建、企业灾后重建、农房重建、灾后民生领域等信贷支持力度,但随着时间的推移,灾后重建信贷资金风险逐步显现。本文指出了灾后重建信贷资金风险的若干表现,并提出了相应的应对措施。 In order to speed up post-disaster reconstruction and protect people’s livelihood, all financial institutions in banking sector stepped up their credit support to infrastructure reconstruction in disaster-hit areas, post-disaster reconstruction of enterprises, reconstruction of farmhouses and livelihood in the aftermath of disaster areas. However, with the passage of time, the risk of post-disaster reconstruction credit funds gradually emerged. This article points out the risks of post-disaster reconstruction of credit funds and presents some corresponding countermeasures.