随着社会主义市场经济体制的逐步建立、发展,伴随着将是激烈的市场竞争,企业的经营风险将不可避免地发生。现阶段金融企业正在加快改革的步伐,积极向商业银行过渡、发展。在面对市场竞争、面对企业经营风险中,如何加强贷款的风险管理及其防范,增强贷款抗风险的能力、减少贷款的损失,是摆在广大金融工作者面前的一个亟待解决的课题。笔者认为:提高信贷资产质量,减少贷款风险的关键在于立足防范,对症下药,方可取得实效。现状目前,企业正在转换经营机制,积极向股份制、公司制企业方面发展,但也有部分企业由于经营管理不善,缺乏约束机制,生产经营方面出现亏损,潜亏严重,导致了银行信贷 With the gradual establishment and development of the socialist market economic system, along with the fierce market competition, the operational risks of enterprises will inevitably occur. At this stage, financial enterprises are accelerating the pace of reform and actively transitioning and developing to commercial banks. In the face of market competition and the face of business risks, how to strengthen the risk management of loans and how to prevent them, enhance their ability to resist risks, and reduce the losses of loans, is a pressing issue for the financial workers. The author believes that: The key to improving the quality of credit assets and reducing the risk of loans is to achieve effective results based on prevention and remedy. Present situation At present, enterprises are changing their operating mechanism and actively developing towards joint-stock companies and enterprise-owned enterprises. However, some enterprises also suffer from poor management and business operations because of poor management and lack of a restraint mechanism, resulting in serious losses, resulting in bank credit