银行贷款是一种以合同形式表现出来的债权债务关系。作为借款合同的当事人一方的银行，应运用《合同法》更好地保护自己的贷款、行使法定抵销权，确保及时收回贷款；采用债权保全措施，减少贷款损失；使用不安抗辩权，化解贷款风险；合理运用合同效力制度，切实保护银行债权。 Bank loans are a form of contractual representation of debt and debt. As a party to the loan contract, the bank should use the “Contract Law” to better protect its own loans, exercise statutory right of set-off, and ensure the timely recovery of loans; use debt preservation measures to reduce loan losses; and use unfounded defenses to defuse loans Risk; make reasonable use of the contract effectiveness system to effectively protect bank claims.