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随着我国银行贷款活动越来越多,银行贷款风险也随之增加,如何有效防范银行贷款风险近年来受到了越来越多的重视。目前我国银行存在的贷款风险正在逐年增加,这对于我国经济的稳定健康发展有很大的影响,因此我们必须要努力做好贷款风险管理,就我国金融行业的实际情况,积极的进行改革和创新,科学的进行银行贷款风险防范。本文正是在此背景下,分别从银行方面以及贷款方面分析了可能导致银行贷款风险产生的几点主要因素,并结合笔者实际工作经验,就新时期下银行如何更好的进行贷款风险管理与防范提出了自己的建议。
With the increasing number of bank loans in China, the risk of bank loans also increases. Therefore, how to effectively prevent bank loan risks has drawn more and more attention in recent years. At present, the loan risks existing in China’s banks are increasing year by year, which has a great impact on the stable and healthy development of China’s economy. Therefore, we must make great efforts to manage the loan risks and actively carry out reforms and innovations in light of the actual situation in China’s financial industry , Scientific risk prevention of bank loans. Based on this background, this paper analyzes the main factors that may lead to the bank loan risk from the aspects of the bank and the loan. Based on the author’s actual working experience, this article analyzes how the bank under the new era can better manage the loan risk and Preventive made its own recommendations.