On the base of these reasons, Author select the study of the cause of loan risks in stat-owned commercial bank in China as the master paper, and wish conduce to the reform.

• 为此，作者选择“我国国有商业银行信贷风险管理研究”作为硕士毕业论文进行深入探讨，希望能对我国国有商业银行信贷风险管理的改革有所贡献。