论银行信贷风险的防范补偿机制

On the Prevention and Compensation Mechanism Against Bank Credit Risk

信贷风险管理是现代银行经营管理的重要内容，加强信贷风险管理，要把握银行信贷风险的表现形式和生成机制，提高风险识别能力；要建立一个能防范、分散、转换和消除风险的信贷风险防范机制；要重视信贷风险补偿机制的系统构建及其强化措施，充分发挥其补偿风险的作用。

One of the most important tasks of modem bank management is the credit risk management. In order to strengthen the credit risk management, it is essential to realize the manifestations and generating mechanism of the bank credit risk and to increase the ability of risk-discernment. It is also necessary to build a credit risk-prevention mechanism which can prevent, distract, transfer and remove risks. We should also attach great importance on the sys-tematic construction and reinforcement of the credit risk compensation mechanism, and allow full play to its risk com-pensation .