近年来,因企业和个人对资金的需求增大,一些民间借贷活跃地区已发生了多起民间借贷风险向银行内部蔓延的案例。比如,温州、鄂尔多斯等地民间借贷资金链断裂后,引发的社会风险和金融风险,给当地商业银行造成较大影响。对这种现象,商业银行要引起高度重视,采取有效措施,防民间借贷风险之患于未然,以避免给自身造成危害。 In recent years, as the demand for funds by enterprises and individuals has increased, some cases of private lending risks have taken place inside the banks in some areas with active private lending. For example, the social risks and financial risks triggered by the rupture of private lending funds in Wenzhou and Erdos have caused a great impact on local commercial banks. To this kind of phenomenon, the commercial bank should attach great importance to take effective measures to prevent the risks of civil borrowing in the first place, in order to avoid causing harm to itself.