道德风险是指银行职员因职业道德缺陷而使银行经营隐藏或出现风险,对银行造成损失或潜在损失。主要表现有贪污欺诈、偷闲、渎职等种种不负责任的行为,道德风险与其它风险一样是银行固有且必须严加防范的。本文结合信贷经营管理过程中出现的种种道德风险, Moral hazard refers to bank employees hiding or risking bank operations due to their professional ethics defects, causing losses or potential losses to the bank. The main performance of corruption, fraud, dereliction of duty and other irresponsible behavior, moral hazard, like other risks inherent in the bank and must be strictly guard against. In this paper, credit management and management process in the emergence of a variety of moral hazard,