所谓银行贷款风险,指的是银行在办理各项贷款业务过程中,由于主客观原因所造成的贷款到期收不回来而遭受损失的可能性。随着市场经济的不断发展,社会经济对银行信贷资金的巨大依赖性日趋明显。同时,严重影响了信贷资金使用的社会效益和自身效益。因此,加强银行贷款风险管理,显得尤为重要和迫切。 银行贷款风险的成因分析 一、企业经营风险是贷款风险的主要来源 1、企业自有资金比例低下,缺乏必要的风险防御能力和发展后劲。近几年来,企业流动资金占用大幅 The so-called bank loan risk, refers to the bank in the process of the loan business, due to the subjective and objective loans as a result of the loan due to come back and suffered the possibility of loss. With the continuous development of the market economy, the huge dependence of the social economy on the bank credit funds has become increasingly apparent. At the same time, it has seriously affected the social benefits and self-benefits of using credit funds. Therefore, it is particularly important and urgent to strengthen the risk management of bank loans. Analysis of causes of bank loan risk I. Business risk is the main source of loan risk 1. The proportion of self-owned funds is low, and the necessary risk defensive capability and development potential are lacking. In recent years, corporate liquidity has taken up substantial