随着经济的发展与人们思想观念的不断进步,银行的贷款业务越来越多,风险也随之增加。对于金融产业而言,贷款风险增加意味着银行发展的稳定性降低,对我国经济的发展会产生不利影响,因此,防范银行贷款风险问题越来越受到人们的关注。本人基于银行贷款的特点,简单阐述了风险产生的原因,并针对这些原因对管理与防范提出了几点优化策略,旨在帮助银行更好的做好贷款业务。 With the development of economy and the continuous improvement of people’s thinking, the bank’s loan business is more and more, the risk also increases. As for the financial industry, the increase of loan risk means that the stability of the bank development will be reduced, which will adversely affect the economic development of our country. Therefore, the prevention of the risk of bank loans has drawn more and more attention. Based on the characteristics of bank loans, I simply set out the reasons for the risks and put forward some optimization strategies for these reasons in order to help banks better do their loan business.