浅析贷款风险的防范与化解

目前我国银行存在贷款风险隐患 ,解决贷款风险的根本出路在于深化改革 ,建立起符合市场经济要求的银企关系、信用体系、法制体系和培养一支高素质的金融队伍。由体制转型带来的贷款风险问题 ,将随着市场经济和金融事业的进一步发展而得到根本解决。

HOW TO RESOLVE THE RISK OF LOAN

Loan risk is the feasibility of making fund losing or badness. As a result of various causes, the loan can not been taken back on time. This kind of feasibility forms the risk of loan. At present large amount and high ratio bad fund in our country bank form the risk of loan. In the final analysis, the main cause is that our market economy system has not been completed and the development of the market is not enough. The ultimate way for resolving the risk of loan is to deepen the reformation and set up the relationship which accord with the demand of market economy between banks with and corporations, credit system, law system and trains a high quality finance troop with. The loan risk, which is brought up by the change of system, will be resolved in the end with the further development of market economy and finance business.