目前国有商业银行信贷风险管理工作还很荧薄弱；应通过政府收购、盘活信贷资金、张化债权人意识、依法收贷、彻底核销呆坏帐等措施化解信贷风险；通过深化信贷体制改革、强化贷后管理、健全风险补偿机制、推进银行间信贷消息网络建设、落实信贷风险责任提高信贷从业人员素质等方面防范商业银行信贷风险。 At present, the credit risk management of state-owned commercial banks is still weak. The credit risk should be mitigated through such measures as the government acquisition and activation of credit funds, the alienation of creditors, the collection and lending according to law and the complete write-off of bad debts. By deepening the credit system reform, Post-lending management, sound risk compensation mechanism, promoting the construction of interbank credit information network, implementing the credit risk responsibility and improving the quality of credit practitioners.