贷款在发放的过程当中尽可能地不出风险或少出风险,使贷款质量高、效益好,是金融审计这些年来所追求的目标。通过这些年的金融审计发现,贷款风险是可以控制的(不包括不可抗力)。它不仅需要银行工作人员具备良好的金融理论知识、业务经验等条件,还需要善于总结经验教训、抓住关键细节。贷款风险的识别案例:我们对某银行审计,通过分析(数据分析和经验判断)发现××集团等13家关联企业骗 As far as possible, loans are risk-free or out-of-date in the process of disbursement, making loans high-quality and profitable, and are the targets pursued by financial auditing over the years. Through these years of financial audit found that the loan risk can be controlled (excluding force majeure). It not only requires bank staff to have good knowledge of financial theory, business experience and other conditions, but also need to be good at summing up the lessons learned and grasp the key details. Loan risk identification case: We have a bank audit, through analysis (data analysis and experience to determine) found ×× Group, 13 affiliated companies lie