贷款风险作为一种客观存在,从来就是与贷款业务紧密相联的,对于风险的防范,也就成为银行贷款管理的最重要内容,并贯彻到整个贷款活动的始终。风险的防范与管理是多方面、多层次的,但是,就目前国内银行对贷款风险防范的实际情况看,有一些地方难以跟上国有企业体制改 As an objective existence, loan risk has always been closely linked with the loan business. The prevention of risk has become the most important part of bank loan management and has been implemented throughout the entire loan activity. The prevention and management of risks are multifaceted and multi-level. However, at present, the actual situation of the prevention of loan risks by domestic banks shows that it is difficult to keep up with the reform of state-owned enterprises in some places