银行在市场经济飞速发展的推动下,不断实现商业化发展,社会经济越来越受到金融活动的普遍影响。国民经济的发展速度直接受到国家金融安全的影响。并且也与社会稳定、人民利益等息息相关。金融风险已经成为普遍现象,其中银行信贷风险是主要形式,也就是按期收回了贷款,但是没有盈利,导致了坏账与呆账。通过经济与行政的途径来预防此类风险的作用不大,与法律手段的结合才是有效途径。所以,预防和公证的职能作用必须得到发挥,从法律的角度保护金融的安全,预防金融风险的发生。 Driven by the rapid development of the market economy, banks continue to achieve commercialization and social economy is increasingly affected by the general financial activities. The speed of development of the national economy is directly affected by the financial security of the country. It is also closely linked to social stability and the interests of the people. Financial risk has become a common phenomenon. Among them, the bank credit risk is the main form, that is, the loan is repaid on schedule, but no profit, resulting in bad debts and bad debts. The role of economic and administrative approaches to preventing such risks is not significant and the combination with legal instruments is an effective way. Therefore, the role of prevention and notarization must be given full play, protecting the financial security from a legal point of view and preventing the occurrence of financial risks.