在社会主义市场经济条件下，企业的经营风险日益加剧，金融竞争日趋激烈，银行信贷资产的风险也将相应增加。如何构建信贷资产风险管理机制，是降低信贷风险、提高商业银行资产质量的有效途径。一、市场经济下商业银行信贷资产面临着高风险的挑战１．企业信用风险的挑战在社会 Under the conditions of a socialist market economy, the business risks of enterprises are aggravating day by day, the financial competition is becoming increasingly fierce, and the risk of bank credit assets will also increase correspondingly. How to construct a credit asset risk management mechanism is an effective way to reduce credit risk and improve asset quality of commercial banks. First, under the market economy commercial bank credit assets are facing high-risk challenges 1. The challenge of corporate credit risk in society