把好担保关减少信贷资产风险周华《商业银行法》的实施，要求商业银行以效益性、安全性，流动性为经营原则，实行自主经营、自担风险、自负盈亏、自我约束。这就把提高商业银行信贷资产质量提高到重要位置。信贷资产风险主要来源于贷款风险。尽管目前银行贷款大部分都设置担保? Putting a Good Guarantee and Reducing the Risk of Credit Assets Zhou Hua’s implementation of the Commercial Bank Law requires commercial banks to run their own businesses at their own risk, self-financing and self-restraint with the principle of efficiency, safety and liquidity. This will improve the quality of credit assets of commercial banks to an important position. Credit asset risk comes mainly from loan risk. Although most of the current bank loans are set guarantees?