商业银行信贷风险管理的问题及法律对策

随着我国加入WTO和改革开放的不断深化，商业银行之间的竞争越来越剧烈，因此，信贷资产风险管理的问题便成为商业银行业务是否能够健康发展的一个关键性问题。造成商业银行信贷资产风险的原因有商业银行内部因素也有外部因素，对此，只有通过分析商业银行资产现状，找出形成的原因，规范政府、商业银行、企业三方的行为，并从法律的角度建立健全完善的内控制度和外部监督体系，营造良好的社会经济环境．才能有效地控制和防范商业银行的信贷资产风险。

About the Problems and Legal Measures of Loans Risks Management in Commercial Banks

With the entrance to WTO and the deepening of our reform, the competition among commercial banks becomes more and more severe. Loans risks management becomes the key of the healthy development of commercial banks business. The risks are caused by the reasons outside and inside commercial banks. We must analyze the capital situation of commercial banks and find out reasons, regulate the behaviors of government, commercial banks and enterprises, establish perfect internal control and outside supervision system, create good social economic environment to control and prevent loans risks of commercial banks.