商业银行作为经营货币的金融中介组织,自有资本占有率低这一特点决定了其本身具有较强的内在风险特性,而银行贷款质量的优劣,信贷资产所面临风险的大小,对银行的经营成果乃至生存发展,有着至关重要的影响。受多种因素的影响,我国商业银行信贷管理中存在着一定的问题和缺陷,这使 Commercial banks, as financial intermediaries operating in currencies, have low inherent share of private capital, which determines their own inherent risk characteristics. The quality of bank loans, the size of the risks faced by credit assets, Business results and even survival and development have a crucial impact. Affected by many factors, there are some problems and defects in the credit management of China’s commercial banks, which makes