随着市场经济体制的推进 ,银行的作用越来越突出。同时 ,银行也是经营货币的高风险企业 ,从亚洲金融危机看 ,银行风险对整个经济的影响极大 ,因此在重视银行业发展的同时切实加强银行风险控制是当前经济金融工作的重大问题。本文通过对国内银行业的信贷资产风险现状及成因分析 ,借鉴国外的经验 ,探讨我国商业银行信贷资产风险控制的对策。 With the promotion of the market economy system, the role of banks is becoming more and more prominent. At the same time, banks are also high-risk enterprises that operate in currencies. From the Asian financial crisis, bank risks have a great impact on the economy as a whole. Therefore, placing emphasis on banking development while effectively strengthening bank risk control is a major issue in the current economic and financial work. Based on the analysis of the status quo and causes of the credit risk in domestic banking industry and using the experience of other countries for reference, this paper discusses the countermeasures of risk control of credit assets in commercial banks in our country.