近几年,在银行授信过程中,基于各种原因所造成的不良贷款越来越多。而如本案中以虚假贸易为基础的信用证骗贷是常用手法之一。信用证项下的不良贷款已经成为银行沉重的包袱。如何改善这一不良状况,把授信业务风险控制到最低?本文作者就这一问题提出了自己的看法。 In recent years, there have been more and more non-performing loans caused by various reasons during bank credit. However, as in the present case, fraudulent letters of credit based on fake trade are one of the commonly used methods. NPLs under the letter of credit have become a heavy burden on banks. How to improve this bad situation and minimize the risk of credit business? The author of this article put forward his own views on this issue.