适时的信贷退出是商业银行风险管理的一项基本内容。鉴于信贷退出的现实性和紧迫性,本文现就相关问题作以下探讨。一、信贷退出的涵义商业银行贷款退出是指商业银行在信贷结构调整过程中,将有限的信贷资源从那些不符合贷款投放标准的目标区域、目标行业和目标产业中部分或全部收回,从而实现信贷资源最佳配置的各种行为活动。信贷退出与信贷进入是相互联系,相互作用的一个整体。贷款 Timely credit withdrawal is a basic element of commercial bank risk management. In view of the reality and urgency of the withdrawal of credit, the article now makes the following discussion on related issues. First, the meaning of the withdrawal of credit Loans of commercial banks refers to the commercial banks in the credit structure adjustment process, the limited credit resources from those who do not meet the loan standards of the target area, the target industry and the target industry in part or all of the recovery, in order to achieve The best allocation of credit resources for various activities. Credit withdrawal and credit access are interrelated and interactive as a whole. loan