根据现代商业银行的一般特征,结合我国银行制度的发展现状,笔者认为,贷款风险防范应包括三个层次,即:预防性防范、运行性防范和补救性防范。 一、预防性防范 银行风险产生于银行信贷资金的营运过程,而风险防范的起点则应放在银行业务运行之前。所谓预防性防范是指银行管理当局 According to the general characteristics of modern commercial banks, combined with the development of China’s banking system, the author believes that the prevention of loan risks should include three levels, namely: preventive prevention, operational prevention and remedial protection. First, precautionary prevention Bank risk arises from the operation of bank credit funds, and the starting point for risk prevention should be placed before the operation of the banking business. The so-called preventive precaution means the bank management authority