银行将信贷资金注入企业的经营活动,便与企业有了风险共担的关系。贷款本息能否如期收回,关键要看贷款客户经营管理和运行是否存在风险。本文就客户经营管理的风险信号进行分析、探讨,以便银行进行风险控制。信号之一:负债比率攀升从静态看,资产负债比例高低是判别企业实力的重要指标。如果净资产不变,负债比率上升意味着企业资产是虚拟增长, Banks will credit funds into the business activities, they have a risk-sharing relationship with the business. The loan principal and interest can be recovered as scheduled, the key depends on the loan customer business management and operation of the existence of risk. This article analyzes and discusses the risk signals of customer management so that banks can control their risks. One of the signals: rising debt ratio From a static point of view, the level of assets and liabilities is an important indicator of the strength of enterprises. If the net assets remain unchanged, the increase in the debt ratio means that corporate assets are virtual growth,