摘要
本文通过对形成信贷风险的原因，尤其是银行内部管理的诸多深层次的原因分析，从而在行业风险、地区风险、内部管理风险等方面提出风险预警和防范的措施，在银行内部构筑一个科学、健全的信贷风险防范体系。
The writer of this paper discusses how to forewarn and prevent risks in various industries, regions, and bank departments after an analysis of the causes of credit risks, particularly those arising form deficient bank management. He proposes constituting a sound scientific risk - preventing system inside banks.
