防范和化解信贷风险是商业银行信贷经营管理中永恒的主题。随着我国经济体制的转轨变革，社会信用制度的建立正处于探索阶段，社会信用保障体系尚未完善起来，政策法律配套措施有待于进一步加强。商业银行防范信贷风险也面临着一些现实难点，本文就此提出几点对策建议。一、建? Preventing and resolving credit risk is the eternal theme in commercial bank credit management. With the transformation and transformation of China’s economic system, the establishment of social credit system is at an exploratory stage. The social credit guarantee system has not been perfected yet and the supporting measures for policies and laws need to be further strengthened. Commercial banks to prevent credit risks are also faced with some practical difficulties, this paper put forward some countermeasures and suggestions. First, built?