我国银行与企业间的信贷风险，是我国银行业一直以来面临的一个重大的信用风险问题。
The credit risk between banks and companies is a significant credit problem during the operation of practical bank trade in China.
我国企业间账款拖欠现象的产生，其根本原因是企业内部管理机制不健全，缺少专门的信用风险管理制度。
The basic reason of delay payment is that company internal management need improving and be in short of professional credit risk management regulation.
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