贷款风险问题一直是各商业银行都亟待解决的重要问题。本文根据当前我国经济发展的新形势对目前造成商业银行贷款风险的原因进行了详实的分析:银行没有形成足够的风险意识,没有良性的自我约束和监督机制,银行职员法律观念匮乏。基于此,笔者提出了一系列防范措施:不断强化风险意识,提升银行职员素质;打造良好的内控体系;运用多样化的经济调控手段杜绝信贷风险。 The issue of loan risk has always been an important issue urgently needed by commercial banks. Based on the current situation of economic development in our country, this article gives a detailed analysis of the reasons for the current commercial bank loan risk: the banks did not form enough risk awareness, there is no benign self-restraint and supervision mechanism, and the banking staff lack of legal concepts. Based on this, the author put forward a series of precautionary measures: constantly strengthening the awareness of risk, improving the quality of bank staff, building a good internal control system and using a variety of economic control measures to eliminate credit risk.