信贷活动本身必然伴随风险。这是市场经济条件下客观存在的事实。因此,建立贷款风险管理机制,是银行信贷工作中必须引起重视的问题。 本文就贷款风险管理机制的构建作一些探讨。 (一)贷款风险度制订的依据 风险,从经济学角度看,就是经济活动中某种不利事件发生的可能性。它产生于商品经济活动自身的不确定性。银行的经营环境就是众多不确定因素组成的。 Credit activities are inherently risk-free. This is an objective reality under the conditions of a market economy. Therefore, the establishment of a loan risk management mechanism is a problem that must be emphasized in bank credit work. This article makes some discussions on the construction of loan risk management mechanism. (A) the basis for the development of risk-based loan risk, from an economic point of view, is the possibility of an adverse event in economic activity. It arises from the uncertainty of the economic activity of commodities. The operating environment of the bank is composed of many uncertainties.