贷款是商业银行的主要资产业务,是商业银行运用资金,取得利润的主要途径。因此,商业银行能否按期收回贷款,不仅关系到银行能否实现预期利润,而且关系到银行信贷资产的安全。从银行贷款业务的惯例来看,银行一般只向在该银行开立存款帐户的客户发放贷款,这样,银行一方面便于 Loans are the main asset business of commercial banks, which is the main way for commercial banks to use their funds to make profits. Therefore, whether commercial banks can recover loans on schedule will not only affect whether banks can realize expected profits, but also affect the safety of bank credit assets. From the practice of bank lending business, banks generally only provide loans to customers who open a deposit account with the bank. In this way, banks are convenient