CONCLUSION
In recent years, the loan business has developed rapidly in China, but business operation and risk management, to some extent, still inherits the traditional operation method, and this obviously has some demerits. However, western countries’ loan business has already been through several decades’ development and formed a kind of relatively mature services, especially in the aspect of risk management system, which is especially worth learning by Chinese commercial banks. Although commercial banks themselves has already been aware of the existence of the risk, there are more important things, such as scientifically and reasonably evaluating the loan risks, arranging the liquidity, inspecting mortgages, strictly following the requirements of the credit risk management and standardization management of loans. Meanwhile, the regulation departments concerned should also perfect credit laws and regulations, strength the supervisions on the commercial bank loan, increase borrowers’ awareness of risks, enhance political controls and so forth.