银行信贷资产是商业银行效益的主要来源。当前,商业银行经营环境日趋复杂,竞争日趋激烈,各种风险变量的不确定性也日益增多,风险管理也越来越成为现代商业银行经营管理的重要一环。因此本文主要从银行信贷资产风险入手,阐述了构建商业银行信贷资产风险管理机制的原由,并重点分析了如何构建银行信贷资产风险管理机制。 Bank credit assets is the main source of commercial bank efficiency. At present, the business environment of commercial banks is becoming more and more complicated with increasingly fierce competition, and the uncertainties of various risk variables are also increasing day by day. Risk management has also become an increasingly important part of modern commercial banks’ operation and management. Therefore, this article starts with the risk of bank credit assets, elaborates the reasons of establishing risk management mechanism of credit assets of commercial banks, and emphatically analyzes how to construct the risk management mechanism of bank credit assets.