目前国内商业银行最主要的利润来源,是银行吸收存款和发放贷款的利差收入。银行要增加利润总额,就需要增加利差收入,而要增加利差收入,就应增加贷款业务。因此,贷款业务是银行的传统业务,更是银行的主营业务。保持贷款业务的稳健增长和建立风险防范体系,一直是各家银行工作的重中之重。对商业银行而言,贷款业务主要包括信用贷款、担保贷款 At present, the most important source of profits for domestic commercial banks is the interest income from bank deposits and loans. To increase the total profit of banks, they need to increase the interest income, and to increase interest income, it should increase the loan business. Therefore, the loan business is the bank’s traditional business, but also the bank’s main business. Maintaining the steady growth of the loan business and establishing a risk prevention system have always been the top priorities of all banks. For commercial banks, the loan business mainly includes credit loans and secured loans