中国加入WTO后对于我国经济来说可谓是机遇与风险并存,相较于欧美国家发达的金融水平,我国起步稍晚的金融信贷政策正面临进一步挑战。本文将从银行学的微观角度,找寻适合我国银行结构与发展规划的实用型风险控制措施,并盼以此文引发出更多关于我国银行信贷管理与风险控制的实用型方法和理论。 After China’s accession to the WTO, it can be said that the opportunities and risks coexist for the economy of our country. Compared with the developed financial standards in Europe and the United States, China’s financial credit policy, which started slightly later, is facing further challenges. This paper will look for the practical risk control measures suitable for China’s bank structure and development planning from the micro-perspective of banking science and hope this article can arouse more practical methods and theories about the bank credit management and risk control in our country.