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商业银行的资产业务中,贷款业务所占的比重最大,也是目前我国商业银行获取利润的主要渠道。如何在当今错综复杂的形势下,防范信贷风险依然十分必要。防范信贷风险是社会主义初级阶段一项长期的战略性任务,依据法规,加强对各金融机构的监督管理,督促金融机构加强管理,提高防范和化解金融风险的能力,维护公众利益和社会稳定,在现代经济发展中已显示出越来越重要的作用。信贷风险虽与收益并存,但只要防范机制完善,就可控制风险获取收益。因此,如何提高信贷管理工作水平,消除信贷资产风险,已成为亟待解决的问题。
Commercial banks in the asset business, the largest share of the loan business, but also China’s commercial banks to obtain the main channel of profits. How to prevent credit risk is still very necessary in today’s complex situation. The prevention of credit risk is a long-term strategic task in the initial stage of socialism. According to the laws and regulations, the supervision and administration of financial institutions should be stepped up. Financial institutions should be urged to strengthen their management, enhance their ability to prevent and resolve financial risks, safeguard public interest and social stability, In the modern economic development has shown an increasingly important role. Although the credit risk co-exists with the proceeds, as long as the prevention mechanism is perfect, the risk-taking gain can be controlled. Therefore, how to improve the credit management level and eliminate the risk of credit assets has become a problem to be solved urgently.