不良贷款的频发高发已严重制约了部分行业务的稳健发展,应通过加强银行内部管理,进一步防控贷款风险。近年来,在对不良贷款审计中发现,许多不良贷款的产生虽受宏观经济下行、企业经营不善以及固定资产投资过快等因素影响,但分析主观原因,与银行贷款投放过多、信贷操作违规、贷后管理不尽职 The high incidence of non-performing loans has severely restricted the steady development of some branches of the business. The bank’s internal management should be strengthened to further prevent and control the loan risks. In recent years, in the audit of non-performing loans, many non-performing loans have been affected by factors such as macroeconomic downturn, poor management of enterprises and excessive investment in fixed assets. However, the analysis of subjective reasons is that with the excessive issuance of bank loans and the non-compliance of credit operations After the loan management endless job