在市场经济条件下,商业银行信贷不可避免地存在着风险,因而必须加强风险管理。但是,目前我国商业银行的风险管理无论从管理理念和方式,还是从管理条件和环境来看,都存在着一定的问题,有必要认真探讨并加以解决。 Under the conditions of a market economy, commercial banks inevitably have credit risks, and risk management must be strengthened. However, at present, the risk management of commercial banks in our country has some problems in terms of management concepts and methods, management conditions and environment, and it is necessary to seriously discuss and solve them.