目 录
内容摘要··················································2
正文······················································3
一、 商业银行概述············································3
（一） 商业银行的概念及其法律地位······························3
（二） 商业银行的资产业务及贷款投放····························3
(三)投资（Invesgate）与(risk)风险的关系························4
二、 贷款的风险及种类········································4
（一） 贷款风险的概念········································4
（二） 贷款风险的种类········································4
三、贷款风险的管理··········································6
（一）严格审查制度，分级审批，集体审批·························6
（二）杜绝人情贷、关系贷·····································6（三）追踪贷款用途，不合用余而又高风险使用贷款的必须尽快返回········7（四）完善担保制度，重视担保物的资产评估·······················7
（五）跟踪担保物状况·········································7参考文献···················································8
内 容 摘 要
金融是现代经济的核心,随着市场经济的不断发展,他已广泛渗透社会经济生活的诸多方面,金融的发展、高效和稳健运作已成为国民经济持续、快速、健康发展的基本条件，但是从司法实践来看，近年来，金融纠纷和金融犯罪不仅数量上日趋上升，而且种类也在增多，形形色色金融纠纷和金融犯罪的出现，在很大程度上妨碍了金融的发展，如何及时解决各类金融纠纷，化解各种隐患，增强金融机构和抗御金融风险的能力，成为实践中亟需解决的问题。
关键字：商业银行（Commerical Bank）贷款（loan）风险（risk）防范（avert）
