金融风险已成为社会普遍关注的热点问题。在我国银行资产结构单一的条件下，金融风险主要表现为信贷风险。银行作为一个经营货币的特殊企业，贷款是银行经营的主要“商品”。在市场经济条件下，贷款风险是客观存在的，由于各种因素的不确定性，使得银行的每一笔贷款都存有不同 Financial risk has become a hot issue of general concern in society. Under the condition of a single bank asset structure in our country, the financial risk is mainly manifested as credit risk. As a special bank that runs money, a bank is the main “commodity” operated by a bank. Under the condition of market economy, the loan risk is an objective reality. Due to the uncertainty of various factors, every loan of the bank is different