略论我国贷款风险的形成原因及相应法律对策

On the Forming Reason and Corresponding Legal Countermeasures of the Loan Risk of China

贷款风险是金融活动乃至国民经济运行中的重要问题。我国现阶段贷款风险比较突出,造成贷款风险的因素 较多,治理贷款风险可以有针对性地采取改造内外部法律环境、建立信用法制、加强执法等法律对策。

The loan risk is the important problem in the financial activity and national economical operation. At present our country' s loan risk is relatively outstanding. There are economic, political, legal, social reasons that cause loan risk. We should use some items, including transforming inside and outside legal environment, establish credit law and enforce the law to manage the loan risk.