当前我国正处于由计划经济向市场经济迈进的时期，市场诸要素发生了激剧变化，现行的银行信贷管理体制在某些方面和环节出现了不适巨，从而诱发了贷款工作中的种种风险。（一）中央银方对信贷宏观调控中存在的风险。规模和资金的双向控制已不能适应社会经济向市场体系转化的需 At present, China is in the period from a planned economy to a market economy. There have been drastic changes in all the elements of the market. The current banking credit management system has caused some problems in some aspects and links, causing various risks in the lending work. (A) the central bank’s credit risk in macro-control. The two-way control of scale and capital has not been able to meet the needs of the transformation of the social economy into a market system