【正文】 不良信貸風(fēng)險(xiǎn)管理仍然有很多問題需要解決，貸款業(yè)務(wù)如何在國際金融中占據(jù)一席之地等等這些都有待深入研究和繼續(xù)探討。投資者的風(fēng)險(xiǎn)可以通過強(qiáng)化的信用風(fēng)險(xiǎn)技術(shù)最小化，違約風(fēng)險(xiǎn)和償付風(fēng)險(xiǎn)也是應(yīng)該重點(diǎn)考慮的方面。對銀行來說，這樣做相當(dāng)于增大了銀行投資的風(fēng)險(xiǎn)，這有可能危及銀行存款和資本的安全，需要投入更多管理時(shí)間和資源。這些重組安排并不改變貸款的額度、條款、利率安排、本金的償還和擔(dān)保的價(jià)值。本文從分析目前不良貸款的情況，指出存在的問題以及問題出現(xiàn)的原因，并著重針對商業(yè)銀行對不良貸款的回收和管理，借鑒先進(jìn)的經(jīng)驗(yàn)教訓(xùn)，并提出思考及相應(yīng)對策進(jìn)行管理，以加快這一業(yè)務(wù)的正確快速發(fā)展。? More developed banking expertise and credit risk evaluation skills。 Countermeasure1. IntroductionUnder the fivecategory loan classification, substandard, doubtful and loss loans are defined as nonperforming loans. Because the reasons behind nonperforming loans formation are different, credit associates must take effective measures to manage, recover and dispose of these parts of asset according to their different characteristics. The bank should first find out the responsibilities of the guarantor and dispose of the security in time. Only when they confirm that the guarantor has lost the guarantee abilities and the security is not sufficient to pay off the loan, can they begin to dispose of the nonperforming loans.2. ReasonsThere are many reasons why banks have poorly performing loan portfolios. Irrespective of these causes, banks have an obligation to shareholders, depositors and creditors to maximize cash flow from assets, the most troublesome aspect of which has been the poor record of banks in recovering loans. It is this factor that has contributed the most to bank insolvency, and liquidity constraints.There are several plementary options available to banks to restructure problem loans and portfolios, including: