近年来,商业银行的信贷业务呈上升趋势,信贷风险也就随之加大,而现在的基层商业银行在信贷的风险管理上还存在着很多的不足之处,我们在实际的操作中,一定加强信贷风险管控,提高基层商业银行信贷风险管理水平,让信贷风险降到最低,使基层商业银行业务得到健康有序的发展。 In recent years, the credit business of commercial banks has been on the rise. As a result, the credit risk has also increased. However, there are still many deficiencies in the credit risk management of commercial banks at present. In actual operation, The Bank strengthened credit risk management and control and improved the credit risk management of grassroots commercial banks so as to minimize the credit risk and ensure the healthy and orderly development of grassroots commercial banks.