商业银行委托贷款的发展现状、存在问题以及对策建议

委托贷款的出现实现了企业、金融机构和政府三方面的“共赢”，在促进经济发展、缓解企业资金紧缺以及增加商业银行中间业务收入等方面起到积极的作用，但同时也存在着潜在的风险，给金融机构的经营以及金融监管带来了一定的影响。本文着重分析委托贷款的发展现状、存在问题，并针对性的提出政策建议。

Commercial Bank Loans need to Concern the Potential Risk

The development of entrust loan business, is beneifcial to take the silver JianZheng, enterprise cooperation platform, effectively improve the enterprise ifnancing ability, promote local economic development, to achieve a multi benefit. Entrusted loan there is still a risk that can not be ignored, prevention countermeasures should establish and perfect the standard, entrusted loans management closely monitoring the use of funds and add the most risk prevention of azimuth.