金融债权管理就是金融机构依据国家有关法律法规和政策，对发放的贷款予以保护的行为。金融债权管理与防范和化解金融风险有着直接的、必然的联系。笔者认为，随着我国市场经济体制的建立和发展，加强金融债权管理，是防范和化解金融风险的关键。当前金融债权管理面临的难点　 Financial claims management is the financial institutions in accordance with relevant state laws and regulations and policies, loans granted to protect behavior. There is a direct and necessary relationship between financial claims management and preventing and resolving financial risks. The author believes that with the establishment and development of China’s market economy system, strengthening the management of financial claims is the key to preventing and resolving financial risks. Difficulties in managing the current financial claims