随着我国金融体制改革措施的不断出台,银行业走“自主经营、自负盈亏、自我发展、自我约束、自求资金平衡、自担风险”的商业化道路已成定局。这意味着我国银行业将被全面推向市场,信贷资产的经营风险相应增加,如何消除和减少信贷资产风险,提高信贷资产质量,是目前银行业向商业银行转移过程中所面临的难点之一。本文仅从信贷资产市场化管理的角度,对信贷资产风险的防范进行初步探讨。一、遵循“效益贷款”原则根据市场经济准则,追求利润最大化和风险最小化是商业银行经营的双重目标。作为计划经济产物的“以产定贷”和 With the continuous introduction of China’s financial system reform measures, the commercialization of the banking industry that takes “self-management, self-financing, self-development, self-restraint, self-seeking capital balance and taking risks at its own” is a foregone conclusion. This means that the banking industry in our country will be brought to the market in an all-round way, and the operating risk of credit assets will increase accordingly. How to eliminate and reduce the risk of credit assets and improve the quality of credit assets is one of the difficulties in the transfer of banking industry to commercial banks . This article only from the perspective of the market-oriented management of credit assets, credit risk prevention of assets to conduct a preliminary discussion. First, follow the principle of “benefit loans” According to market economy guidelines, the pursuit of profit maximization and risk minimization is the dual goal of commercial banks. “Producing loans” as a product of planned economy