随着我国社会经济的快速发展,我国银行信贷风险也走上了一个新的高峰。现阶段,我国银行信贷的高风险主要是由于企业的税收负担较重而引发企业内部的负债较高,融资比例较低从而导致对银行的信贷非常地依赖。所以,政府应该适当减少企业的税收负担,才能降低银行的信贷风险。本文将先分析银行信贷风险的构成,再重点从企业税负的视角对银行的信贷风险防范进行探讨和分析研究。 With the rapid socio-economic development in our country, the credit risk of our country banks has embarked on a new peak. At this stage, the high risk of bank credit in our country is mainly due to the heavy tax burden of the enterprise, which leads to the higher internal debt and the low financing ratio, which leads to the heavy dependence on the bank credit. Therefore, the government should properly reduce the tax burden on enterprises in order to reduce the bank’s credit risk. This article will first analyze the composition of bank credit risk, and then focus on the perspective of corporate tax credit risk prevention and control of banks to explore and analyze.