信贷风险是指银行办理信贷业务过程中,因受到自然性风险、经济性风险、国际性风险和人为性风险的影响,使银行信贷资产或收益遭受到损失的可能性。信贷风险是由信贷活动衍生的和不以人们意志为转移的一种客观经济现象。社会经济运动只要存在信贷这一范畴,信贷风险必然存在。因此,研究防范信贷风险,减少信贷风险损失,具有重大意义。防范信贷风险的措施诸多,但从操作上来看主要有“十法”对策。一是超前防范法。商业银行是以效益性、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 Credit risk refers to the possibility of banks’ credit assets or earnings being damaged due to the impact of natural risk, economic risk, international risk and man-made risk in the course of handling credit business. Credit risk is an objective economic phenomenon derived from credit activities and not based on people’s will. As long as there is a category of credit in the socio-economic movement, credit risk is bound to exist. Therefore, it is of great significance to study the prevention of credit risk and the loss of credit risk. Many measures to prevent credit risk, but mainly from the operational point of view “10 law ” measures. First, ahead of the law. Commercial banks take efficiency, safety and liquidity as their operating principles. They run their own businesses at their own risk, self-financing, self-