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贷款风险,是指由于借款单位或借款人在借款到期后,不能履行契约、合同,无力偿还或不愿偿还贷款,致使银行因贷款本息不能按期收回而遭受损失的一种风险。国家专业银行向国有商业银行转化,必须大力推行信贷资产风险管理,而实施贷款风险管理又是信贷资产风险管理行之有效的重要组成部分。贷款风险度管理,就是把贷款风险进行量化,通过数字反映贷款风险的程度,确定贷款风险的界点,从而对导致贷款风险的诸多因素进行分析、预测、控制、疏导和防范的信贷管理活动。
Loan risk refers to a risk that a borrower or borrower may suffer losses due to the failure to repay the principal and interest of the loan as a result of the failure of the borrower or borrower to perform the contract, contract, insolvent or unwilling to repay the loan after the loan expires. To transform state-owned commercial banks into state-owned commercial banks, credit asset risk management must be vigorously pursued. Implementing loan risk management is also an important and effective component of credit asset risk management. Loan risk management is to quantify the loan risk, through the digital reflect the degree of loan risk, determine the boundary of loan risk, so as to lead to many factors of loan risk analysis, prediction, control, ease and prevent credit management activities.