试论信贷风险的成因与对策

On the Causes of Credit Risk and Countermeasures Upon It

我国银行信贷风险的产生，主要是宏观政策不完善，银行自身经营管理不利，企业经营效益滑坡等。方面共同作用的结果。解决的途径应从完善社会主义市场经济体系，充分发挥金融、信贷的杠杆作用，正确处理好与地方政府的关系几个方面入手，减少和化解信贷风险。

The emergence of our bank credit risk is mainly due to the imperfect macro-policies, disadvantageous management of the bank itself, ineffective operations, ect. The best way to solve these problems is to perfect the socialist market economics system,bring the function of banking and credit into play,deal with the relationship of the local government well, cut down and take precautions against risks,ect.