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金融业是一个特殊的高风险行业，党的十一届三中全会以来，我国的金融业在改革开放中稳步、健康地发展，但同时也存在一些问题，其中，特别是商业银行的信贷风险问题越来越突出，对这些问题如不认真加以防范和解决，就可能引起金融风波，影响国民经济和社会的稳定发展。本文拟
The financial industry is a special high-risk industry. Since the Third Plenary Session of the 11th CPC Central Committee, China’s financial industry has developed steadily and healthily in the course of reform and opening up. However, there are also some problems at the same time. In particular, the credit risk of commercial banks The issue is becoming more and more prominent. If these problems are not properly prevented or solved, it may cause financial turmoil and affect the steady development of the national economy and society. This article is intended