关注类贷款介于正常类贷款和不良贷款之间,面对资本约束下银行经营转型的需要,在复杂严峻的经济金融形势下,有效遏制关注类贷款质量的迁徙劣变,是信贷资产质量稳定的基础,更是银行不断提高自身经营效益的有力保证。笔者针对加强关注类贷款管理提出如下建议。一、信贷经营要突出风险控制。良好的风险控制能力是银行生存和健康发展的基础,商业银行应始终将风险控制放在第一位,从预防经济周期波动和外部冲击的角度,充分估计风险,实现自身的稳健经营和持续发展。商业银行应坚持信用风险经营的风险防控导向,正确处理好业务发展与风险 Concerned loans fall into the category of normal loans and non-performing loans. Facing the need of banking operation under the capital constraints, under the complex and severe economic and financial conditions, the quality of credit assets is stabilized Basis, but also a strong guarantee for banks to continuously improve their own operating efficiency. The author puts forward the following suggestions for strengthening the management of loans of concern. First, credit management should highlight the risk control. Good risk control is the basis for the survival and healthy development of banks. Commercial banks should always put risk control in the first place. From the perspective of preventing economic cycle fluctuations and external shocks, the Bank fully estimates the risks and realizes its steady operation and sustainable development . Commercial banks should adhere to the risk prevention and control of credit risk management and correctly handle business development and risk