商业银行信贷风险的成因与对策研究

AbstractIn today's rapidly changing economy,there are higher requirements for the speedof capital circulation.Capital is not only a factor of production on which all tradesand industries depend for their development,but also a driving force for the modernmarket economy.The efficiency of financing has gradually become the key factor toensure the vitality and development of social economy.At present,the bank's creditbusiness occupies a major position in the financing of social capital.Therefore,thispaper analyzes the credit risks of commercial banks and their causes,and puts forwardpreventive measures in order to strengthen the credit risk management of commercialbanks and promote the development of credit business of commercial banks in China.Key words:Commercial bank;Credit risk;Preventive measures