对现代的商业银行而言,信贷业务是最重要的资产业务,也是其主要的赢利手段。然而,现阶段我国商业银行的信贷业务发展却面临着严重的问题。对此本文提出通过完善商业银行信贷体系,建立信贷风险转移机制,进而有效的控制信贷风险,扩大我国国内需求与促进经济增长。 For modern commercial banks, credit business is the most important asset business and the main means of profit making. However, at this stage, the development of China’s commercial banks credit business faces serious problems. To this end, this paper proposes to establish a credit risk transfer mechanism by improving the credit system of commercial banks so as to effectively control credit risk, expand domestic demand and promote economic growth.