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当前,银行业务中最主要、最多的是资产业务,银行业务风险中最集中、最关键的是资产业务风险,银行业务最主要、最根本的是信贷风险管理,全行各级机构的管理者和信贷人员必须转变思想观念,提高对先进信贷文化的认识。先进的、健康的信贷文化既能够为信贷制度的建立和完善提供思想和信念支持,又能弥补信贷制度的不足,为银行信贷业务的有效开展奠定良好的思想基础和行为指导。它对商业银行培育企业文化和强化信贷风险管理具有十分重要的作用。
Currently, the banking business is the most important asset business, the most concentrated banking business, the most critical asset business risk, the most important banking business, the most fundamental is credit risk management, managers at all levels of institutions across the bank And credit officers must change their ideas and concepts to improve their understanding of the advanced credit culture. An advanced and healthy credit culture can not only provide ideological and conviction support for the establishment and improvement of the credit system, but also make up for the deficiencies in the credit system, laying a good ideological foundation and behavioral guidance for the effective development of bank credit business. It plays an important role in nurturing corporate culture and strengthening credit risk management in commercial banks.