商业银行贷款风险及其防范

Risk of commercial bank loans and ways to avoid the risk

商业银行贷款风险是客观存在的一种经济现象。我国商业银行的不良贷款比率居高不下,状况令人堪忧。它严重影响了商业银行的经营,使其在日益激烈的竞争中处于不利的地位。商业银行为适应新协议的标准和日益激烈的竞争,必须加强贷款管理防范贷款风险。本文在商业银行贷款业务的基础上分析商业银行贷款风险形成的原因,提出商业银行贷款风险的防范对策。

Risk of commercial bank loan is an economic phenomenon existing in the society. The high proportion of unhealthy loans in China worries people and badly influences the management of commercial banks and put them in an unfavorable position in the more and more severe competition. To meet the standard of new agreement and face the severe competition, commercial banks must reinforce management to avoid the loan risk. This article analyses the reasons of the risk in commercial bank loans on the basis of the bank loan business and puts forward measures against the loan risk.