首先要强化信贷风险意识。客户拓展应以信贷资金安全为首要考虑因素,做到尽职调查,把控风险,贷后管理不流于形式。其次要加快信贷结构优化。信贷结构优化是实现信贷资产有效发展和风险防范的必经之路,是增强信贷经营派生能力及银行竞争力、实 First, we must strengthen the credit risk awareness. Customer development should be based on the safety of credit funds as the primary consideration, to due diligence, the risk control, post-loan management is not a mere formality. Second, we must speed up the optimization of credit structure. The optimization of credit structure is the only way to realize the effective development of credit assets and risk prevention. It is to enhance the credit derivative ability and the competitiveness of banks.