摘要：目前我国商业银行信贷风险高是我国金融领域面临的一个重要问题。本文根据南京市商业银行的现状，从银行的信贷人员素质、风险管控制度、风险信息管理、风险补偿机制并例举南京市部分商业银行近年来的指标数据等着手分析银行信贷风险的成因并提出有效防范银行信贷风险的具体措施。

关键词：商业银行； 信贷风险； 成因； 对策；

Abstract：At present, China's commercial banks credit risk is high is an important issue facing China's financial sector. Based on the current situation of the Bank of Nanjing, from the bank's credit quality of personnel, risk control systems, risk management, risk compensation mechanism and exemplified in Nanjing Commercial Bank in recent years, proceed with the analysis of the causes of the bank's credit risk indicator data and come up with effective prevention Bank credit risk of specific measures.

Key words: Commercial bank; Credit risk; factor; countermeasure