在金融体制改革过程中,国家专业银行逐步向国有商业银行转轨.其实质性效用在于提高银行的经济效益。在此前提下,经济发展对资金的需求将在相当一段时期内不断加大,因此,信贷仍将是银行支持经济发展并取得自身效益的主要业务。本文拟就信贷风险控制问题一抒己见。风险属性与风险控制1、风险属性与辩证风险 In the course of the reform of the financial system, the national specialized banks gradually transitioned from the state-owned commercial banks, whose substantive utility is to improve the economic efficiency of the banks. Under this premise, the demand for funds for economic development will continue to increase for a considerable period of time. Therefore, credit will continue to be the main business of banks in support of economic development and self-efficiency. This article intends to express a comment on the control of credit risk. Risk attributes and risk control 1, the risk attributes and dialectical risk