在化解银行信用风险过程中如何规范银行的维权行为,进一步完善法治信用环境,依靠司法力量最大限度维护银行合法债权,是当前亟待解决的问题。商业银行的主要风险是信用风险,信用风险不仅造成银行资产的损失,而且侵蚀银行的利润和股权,进而损害存款人的利益和银行股东的权益。从银行监管者的角度讲,监管部门对商业银行的监管有资本充足率、损失拨备率、不良资产率等刚性监测指标,银行信用风险或实际损 How to regulate the behavior of bank’s rights protection, how to perfect the credit environment of rule of law and rely on the judicial power to protect the legitimate claims of the bank to the maximum extent are the urgent problems to be solved. The main risk of commercial banks is credit risk. Credit risk not only causes the loss of bank assets, but also erodes the profits and equity of the banks, thus damaging the interests of depositors and the shareholders of banks. From the perspective of bank regulators, regulators regulate commercial banks with rigid monitoring indicators such as capital adequacy ratio, loss provision rate and non-performing asset ratio, bank credit risk or actual impairment