对信贷风险管理方法和途径的再深讨 信贷风险管理的主要工作方法有：一是普遍监控与重点监控相结合、商业银行的信贷风险存在于信贷经营活动的全过程和各个阶段之中，但在信贷经营过程中，不同时期信贷风险有不同的表现形式，各种风险的表现程度也有所不同。因此，信贷风险监管 Further discussion on credit risk management methods and approaches The main working methods of credit risk management are as follows: First, the combination of universal monitoring and key monitoring, the credit risk of commercial banks exists in the whole process and stages of credit operations. However, In the process of credit management, credit risk has different manifestations in different periods, and the performance of various risks is also different. Therefore, credit risk regulation