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信贷业务是商业银行的一项主要资产业务,对商业银行的发展起着至关重要的作用。现实生活中,我国商业银行信贷市场存在着合同风险、物权风险、司法风险、刑事风险,这严重影响了商业银行信贷项目的存在和发展.法律在市场经济中扮演着重要的角色,解决风险的有效方法应当以法律为手段,规范信贷市场,防范和化解各种风险,促进信贷市场的规范运作和发展。
Credit business is a major asset business of commercial banks and plays a crucial role in the development of commercial banks. In real life, there exist contract risk, real right risk, judicial risk and criminal risk in the credit market of commercial banks in our country, which seriously affects the existence and development of commercial bank credit projects.Law plays an important role in the market economy and resolves risks The effective method should be the law as a means of regulating the credit market, prevent and resolve various risks and promote the normative operation and development of the credit market.