防范信贷风险 ,仅靠信用社强化内控机制是不够的 ,更重要的是健全完善和强化社会综合防范机制 ,规范和约束信贷双方行为 ,建立和实行借贷双向个人经济、法律责任制 ,制定一套相适应的《信贷资产法》。这是防范信贷风险之根本。对此 ,笔者作一初浅探析。一、信贷风险现状剖析多 To prevent credit risks, it is not enough for credit unions to strengthen their internal control mechanism. More importantly, sound and complete social comprehensive prevention mechanisms, normative and restrictive acts of credit parties, establishing and implementing a two-way personal economy and legal liability system for borrowing and lending, and formulating a set of Adaptation of the “Credit Assets Act.” This is the fundamental prevention of credit risk. In this regard, I make a preliminary analysis. First, the status of credit risk analysis and more