在我国经济进入新常态的当下,能否清醒认识到银行所面临风险的新变化、并采取及时有效的防范措施,是银行业能否持续稳健经营的关键问题。本文从银行信贷风险入手,分析经济新常态下信贷风险新趋势,提出针对性的风险防控理念及应对策略,以防范化解信贷风险。 At the moment when our country’s economy has entered a new normal, we can clearly recognize the new changes in the risks faced by the banks and adopt timely and effective preventive measures. This is the key issue for the banking sector to sustain its steady operation. This article starts with the bank credit risk, analyzes the new trend of credit risk under the new economic normal, puts forward the targeted risk prevention and control concept and countermeasure to prevent and mitigate the credit risk.