近期,商业银行委托贷款业务迅猛发展,在促进政、银、企的协调对接,有效缓解企业融资难方面发挥了积极作用。同时,在发展过程中一些潜在风险的存在,更应引起各方关注。具体地应做好以下工作:首先,建立健全委托贷款管理规范。一是明确资金来源,避免出现信贷资金监管真空。二是规范委托贷款利率,防止变相高利贷发生。三是应按有关规定调查、核实委托人提供的材料、贷款用途的合法性,按照规定流程尽职审查、审批,按各行内部授 Recently, the rapid development of the entrusted loan business by commercial banks has played a positive role in facilitating the coordination and connection of government, banking and enterprises and effectively alleviating the difficulties of corporate financing. At the same time, the existence of some potential risks in the course of development should draw more attention from all parties. Specifically, the following work should be done: First, to establish and improve the entrusted loan management practices. First, a clear source of funding to avoid credit supervision of the vacuum. Second, standardize the loan interest rates to prevent disguised usury occurred. Third, it should be investigated according to the relevant provisions to verify the legitimacy of the materials provided by the client, the purpose of the loan, due diligence review and approval according to the prescribed procedures,