我们通常看到的关于不良贷款的各种数据,都是显性的不良贷款,没有包括隐性不良贷款。笔者认为,要有效控制和化解隐性不良贷款风险,必须着力加强以下工作。一是加强个人贷款业务的管理。增强个贷业务风险意识,提升信贷资产管理的精细化水平,构建和谐信贷文化,对违规发放假个贷行为应立即予以纠正,对已造成不良的假个贷应对相关责任人进行严肃处理,及时收回和保全信贷资产,消除不良隐患。二是严格执行“借新还旧”政 All the data we normally see about NPLs are dominant NPLs and do not include hidden NPLs. In my opinion, in order to effectively control and resolve the hidden risk of non-performing loans, we must focus on the following work. First, strengthen the management of personal loan business. Enhance the risk awareness of personal loans business, enhance the fine level of credit asset management, establish a harmonious credit culture, immediately correct the grading of personal loans for breaches of laws, handle the responsible persons who have caused bad loans in a timely manner, and timely Recover and preserve credit assets and eliminate undesirable hidden dangers. Second, the strict implementation of “borrow new old ” government