随着国家市场经济的发展，银行的信贷业务量日趋增多，这无疑对我国经济的发展起着有力的推动作用。但银行的贷款行为有其独特的风险性即债权风险，贷款展期的债权风险尤为突出。 贷款展期是指借款人不能按期归还银行贷款，在贷款到期之前，经借款人申请并由贷款银行决定可延长 With the development of the national market economy, the credit business of banks is increasing day by day, which undoubtedly plays a powerful role in promoting the economic development of our country. However, the bank’s loan behavior has its unique risk that is the debt risk, and the credit risk of the loan extension is particularly prominent. Loan extension refers to the borrower can not repay bank loans on schedule, before the loan expires, the borrower to apply and be extended by the loan bank