对于银行贷款来说,其风险是与收益是并存的。当银行将款项放出,那么风险也就随之产生了。文章在分析了银行货款风险成因的基础上,提出了作为银行自身,应加强货款的事前、事中、事后的有效管理、控制,以形成良好贷款循环,即一定要加强自身素质,全面做好贷款风险的防范与控制。 For bank loans, the risk is to co-exist with the proceeds. When the bank releases the money, the risk comes with it. Based on the analysis of the causes of the bank loan risk, this paper puts forward that banks, as themselves, should strengthen the effective management and control of the loan beforehand, during and afterwards so as to form a good loan cycle, that is to say, we must strengthen our own quality and do a good job in all aspects Prevention and control of loan risks.