论文第一章从经济风险及银行信贷风险管理的一般理论出发，阐明经济风险是现代市场经济的基本特征之一，而银行信贷风险是整个经济风险的集中反映。风险的本质在于收益与损失的可能性并存，因而对经济主体有激励效应与约束效应。商业银行经营的本质就是在风险的这种双重效... The first chapter of the dissertation starts with the general theory of economic risk and bank credit risk management, clarifies that economic risk is one of the basic features of modern market economy, and bank credit risk is a concentrated reflection of the entire economic risk. The essence of the risk lies in the coexistence of the benefits and the losses, so it has the incentive effect and restraint effect on the economic subjects. The essence of the business of commercial banks is the double effect of risk ...