长期以来，不良贷款的形成，使国有商业银行的商业化进程步履维艰。积极营销和清收转化不良贷款成为商业银行面对的两大工作重点，而这两项工作的成效如何则与信贷风险防范措施有着直接的关系。基层银行主要是政策与制度的具体执行部门，面临的信贷风险除了宏观的经济因素与市 For a long time, the formation of non-performing loans has made the commercialization of state-owned commercial banks difficult. Actively marketing and collecting non-performing loans has become the two major commercial banks to focus on, and the effectiveness of these two work and credit risk prevention measures have a direct relationship. The grassroots banks are mainly the specific enforcement departments of policies and systems. In addition to the macro-economic factors and the credit risks they face