一要打好风险管理三项基础,形成全员信贷风险管理文化。建立健全风险指标识别系统、预警系统和监控系统,建立一整套行之有效的约束和激励制度,造就一支高素质的风险管理专业队伍。二要建立风险管理的三种机制,形成全面的信贷风险管理方式。建立以资本为基础的内在约束机制,建立资产组合的引导机制,建立商业银行内部信贷风险管理的互动机 First, lay a foundation for risk management and form a credit risk management culture for all. Establish and improve the risk index identification system, early warning system and monitoring system, establish a set of effective constraints and incentives to create a high-quality professional risk management team. Second, we must establish risk management of the three mechanisms to form a comprehensive credit risk management. The establishment of a capital-based internal restraint mechanism, the establishment of a guiding mechanism for the portfolio, the establishment of commercial banks within the credit risk management of the interactive machine