关于信贷市场和信贷风险 研究信贷市场,须首先明确信贷市场和信贷风险的含义及其二者的联系。我们认为,所谓信贷市场就是把市场机制引入信贷活动,通过对信贷资金的合理分配,实现资金使用效益最大化的一种科学组织信贷资金运行的方式。信贷风险是指银行信贷资金遭受损失的可能性。它形成的原因主要是:一是银行资金构成和经营中的风险;二是银行放款数量、投 Regarding credit markets and credit risk research Credit markets must first clarify the implications of credit markets and credit risk and their links. In our opinion, the so-called credit market is a way of organizing the operation of credit funds through the introduction of market mechanism into credit activities and through the rational distribution of credit funds so as to maximize the efficiency of capital utilization. Credit risk refers to the possibility of bank credit losses. The main reasons for its formation are: First, the bank’s financial composition and risk in the operation; Second, the number of bank loans, investment