Reflection upon the Risk Prevention and Control of Bank Loans under New Economic Norm

Currently, with emergence of the new economic norm, financial risk is rising. A prefecture in Sichuan is taken as the research subject and it is found that the situation concerning risk prevention and control of bank loans is rather difficult, which is chiefly seen in three aspects: the emergence of non-performing loans, overdue loans and debt interest,and the sprea- ding of loan risk. The leading causes come from the financial environment, the enterprise and the bank itself. Thus the counter measures are suggested:to be unified as one in thinking and to be dutiful to look squarely at the problems; to reinforce commu- nication in concerted efforts to prevent and control and defuse loan risks;to lay a solid foundation and set up a sound mechanism and step up the construction of a strong team of risk management.