一、建立健全信贷风险的防范管理机制一要建立科学、规范的评估论证体系 ,加强对贷款项目的可行性研究 ,切实掌握贷款对象的综合收益 ,为放款提供准确依据 ,避免贷款投向的盲目性。二要健全信贷风险制约监督机制 ,落实信贷“三查”制度 ,坚持审贷分离、分级审批原则 ,完善贷款 First, to establish and improve the credit risk prevention and management mechanism First, we must establish a scientific and standardized assessment demonstration system, to strengthen the feasibility study of the loan project, to effectively grasp the comprehensive income of the loan object, to provide an accurate basis for the loan to avoid the blindness of the loan investment . Second, we must improve the monitoring mechanism of credit risk control, the implementation of credit “three checks” system, adhere to the principle of separation of credit review, grading approval, improve the loan