所谓银行信贷风险是指银行债务人由于无力清偿银行债务而出现的风险﹐是银行

所谓银行信贷风险是指银行债务人由于无力清偿银行债务而出现的风险﹐是银行信贷资产经营上的一种主要风险。表面看来，银行出现信贷风险好像大部分的责任在于债务人，没错，但是银行信贷风险管理水平不高也是银行信贷高风险的一大原因。如果银行能够充分的利用合理、科学的方法和技术手段对有可能成为导致贷款损失的因素进行准确、合理的整理、分析和控制，那么银行的信贷质量将会大大提高，同时贷款的风险和损失也会降低并且提高银行信贷风险管理水平及其损失补偿的能力。

所谓银行信贷风险是指银行债务人由于无力清偿银行债务而出现的风险﹐是银行信贷资产经营上的一种主要风险。 表面看来，银行出现信贷风险好像大部分的责任在于债务人，没错，但是银行信贷风险管理水平不高也是银行信贷高风险的一大原因。 如果银行能够充分的利用合理、科学的方法和技术手段对有可能成为导致贷款损失的因素进行准确、合理的整理、分析和控制，那么银行的信贷质量将会大大提高，同时贷款的风险和损失也会降低并且提高银行信贷风险管理水平及其损失补偿的能力。

The so-called bank credit risk refers to the bank debtor's inability to pay off bank debts, which is a major risk in the operation of bank credit assets. On the surface, it seems that most of the responsibility for the credit risk of banks lies with the debtors. Yes, but the low level of bank credit risk management is also a major reason for the high risk of bank credit. If the bank can make full use of reasonable and scientific methods and technical means to sort out, analyze and control the factors that may lead to loan losses accurately and reasonably, then the credit quality of the bank will be greatly improved, at the same time, the risk and loss of the loan will be reduced, and the bank's credit risk management level and the ability of loss compensation will be improved.<br>