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随着我国金融体制改革的深化及一系列金融法规的颁布施行,以往的专业银行已成为按市场经济原则从事金融业务的商业银行,自主经营,自担风险,自负盈亏。由此,银行的经营风险已成为业内人士关注的热点问题。银行贷款风险是商业银行的主要经营风险,一般表现为贷款逾期和贷款呆滞。如何有效地预防贷款风险,既是商业银行在金融改革中遇到的新问题,
With the deepening of China’s financial system reform and the promulgation and implementation of a series of financial laws and regulations, the former specialized banks have become commercial banks that are engaged in financial business in accordance with the principle of a market economy and operate their own businesses at their own risk and self-financing. As a result, the bank’s business risk has become a hot issue in the industry. Bank loan risk is the main business risk of commercial banks, the general performance of loans overdue loans and sluggish. How to effectively prevent the loan risk is not only a new problem that commercial banks encounter in the financial reform,