[摘要]：信贷业务是我国金融机构的主营业务，而商业银行在我国金融体系中，一直处于主导地位。商业银行信贷风险是我国商业银行的最大风险，也是我国金融体系最大的风险。本文针对我国商业银行信贷风险的现状及存在的问题进行分析，提出有效控制商业银行信贷风险的综合措施，防范不良贷款的增加，提高贷款发放和管理的质量，使商业银行持续健康的发展，实现我国银行体系的安全、稳健运行。

[关键词]：商业银行  信贷风险  内部控制制度  风险管理组织

[Abstract]: Credit business is the main business of our financial institutions, and commercial Banks in China's financial system, has been the leading status. Commercial bank credit risk is the biggest risk of commercial Banks in China, is also the biggest risk for the financial system in China. Based on the analysis of our country commercial bank credit risk status and existing problems, the paper puts forward effective and comprehensive measures to control the commercial bank credit risks and to prevent bad loans increases, improve the quality of the loans and management, keep the sustainable development commercial banks and finally to realize the safe and stable operation of China's banking system. 

[key words] : the commercial bank     credit risk    internal control system                risk management organization

　　商业银行作为一资金密集、人才密集、技术密集及产品密集的服务型企业，具有风险密集的特性，其风险同时影响着其他企业的风险。信贷风险是我国商业银行面临的主要风险，尤其是在当今经济飞跃的背景下，商业银行的信贷风险尤为严峻，应该加倍重视商业银行信贷风险的研究。我国商业银行应借鉴国外商业银行先进的信贷风险管理经验，结合我国实际情况，尽快健全适合我国商业银行的信贷风险评级和风险定价系统，完善信贷风险内部控制机制，建立高效的信贷管理信息系统，为信贷风险管理提供良好的经济环境，有效的提高信贷风险管理水平，严格控制我国商业银行信贷风险。我们要不断完善、探索、创新，开辟出有利于我国商业银行信贷风险管理的新途径，促使我国经济在不断变幻的全球经济中稳中有进。