分析商业银行不良贷款形成的原因，寻找规避贷款风险的对策，已成为我国商业银行非常迫切的工作。
Analysis of causes of bed an in commercial Banks and seeking strategy loan risk avoiding, has become the essential task to commercial Banks in China.
实践证明，这些对策不同程度的实施，有效地指导了业主在采购过程中规避采购风险，降低采购成本，从而全面完成项目建设目标。
Through practice testing, these tactics are effective for the owners to avoid the procurement risk, decrease the procurement cost, thereby, fulfill the construction goals.
风险应对策略包括风险规避、风险降低、风险接受和风险转移。
Methods for dealing with risk include risk avoidance, risk reduction, risk acceptance, and risk transference.
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