随着我国商业银行的建立,提高信贷资产质量,实现金融企业利润的最大化已是商业银行迫在眉睫的首要任务。而信贷资产风险的大小、信贷质量的高低是商业银行赖以生存、获得效益的根本所在。所以在专业银行逐步向商业银行转轨中,要对传统的信贷管理进行改革。制定科学的管理办法,建立适应社会主义市场经济发展需要的银行贷款风险防范机制已势在必行。然而,风险贷款问题是长期困扰银行的一个“顽症”。造成这个问题不能根治的原因是多方面的,要解决这个问题,有待于银行内部各个部门以及银行外部的有 With the establishment of China’s commercial banks, to improve the quality of credit assets, to maximize the profits of financial enterprises has become the most important task of commercial banks. However, the size of credit assets and the quality of credit are the basis for commercial banks to survive and gain benefits. Therefore, professional banks gradually transition to commercial banks, the traditional credit management reform. It is imperative to formulate a scientific management approach and establish a risk prevention mechanism for bank loans to meet the needs of the development of the socialist market economy. However, the problem of risk loans is a chronic problem plaguing banks for a long time. There are many reasons for this radical problem that can not be eradicated. To solve this problem, it needs to be done within the various departments within the bank as well as outside the bank