1摘 要商业银行已有 30 年的发展历程，在我国基本实现市场化。其主要的经济来源是贷款，银行作为其中的中介进行业务办理，由于其每笔金额并不少加上发展历程较短的原因，其中存在的信贷风险也是很大。与国外发展 100 多年的历史相比，我们只能算是初级的市场化，我们需要充分借鉴国外的优秀经验，提升自身的信贷风险防范。目前我国商业银行的信贷风险主要来源于基础管理薄弱、审贷分离制度与贷款三查制度存在问题、工作人员缺乏企业文化、内部监督机制不够完善等。本文将会通过一般成因分析和特殊成因分析，对商业银行存在的信贷风险产生因素进行剖析，并提出相应的解决措施。关键词：商业银行；信贷风险；风险控制2AbstractCommercial banks have developed for 30 years and have basically realized marketization in China. Its main economic source is loan. As an intermediary, banks handle business. Due to the fact that each sum of money is not small and the development process is short, the credit risk is also very large. Compared with the history of more than 100 years of foreign development, we can only be regarded as the primary marketization. We need to fully learn from the excellent experience of foreign countries and improve our own credit risk prevention. At present, the credit risk of China's commercial banks mainly comes from the weakness of basic management, the problems of the separation system and the three inspection system of loans, the lack of corporate culture of the staff, and the imperfection of the internal supervision mechanism. This paper will analyze the credit risk factors of commercial banks through the analysis of general causes and special causes, and put forward the corresponding solutions.Key words: Commercial Bank; credit risk; risk control 3目 录1 引 言（或概 述）...............................................62 商业银行信贷风险管理的一般理论....................................72.1 信贷风险........................
