当前,防范化解贷款风险已成为信贷管理工作的核心。信贷管理部门在贷款审查中的风险认定,实质上是对贷款信息资料真实性、完整性、逻辑性的审查及潜在风险的预测,它在实际工作中有着极其重要的意义:一是有利于把握贷款投向,积极向低风险、高收益的行业提供信贷支持,利用投量和投向的调整,促进全行信贷结构的调整;二是有利于保证贷款的安全性,通 At present, prevention and mitigation of loan risk has become the core of credit management. The credit risk assessment by the credit management department during the loan review is essentially the authenticity, completeness and logical review of the loan information and the prediction of the potential risks. It has extremely important significance in practical work: First, it is in favor of grasping Lending to actively provide credit support to industries with low risk and high yield, and adjust the credit structure of the whole bank with adjustments in investment volume and investment direction. Second, it is conducive to ensuring the safety of loans.