因此，研究并有效控制信贷风险，是我国商业银行当前面临的一项重要课题。
Therefore, the study and control credit risk facing China's commercial Banks is an important topic.
内部原因包括商业银行内控制度不完善，缺乏有效的信贷风险预警机制，道德风险防范机制不健全等。
Inside reasons include imperfect internal control mechanism, absence of efficient precautionary measures to credit risk, improper anti-risk system to immoral behaviors, etc.
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