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近年来,“提前消费”这一概念屡次出现于人们视野,无形中已逐渐深入人心,引发了来自各层面民众团体的思考,不少人猜测“提前消费”是否会晋升为整体消费趋势。处于这样一种社会大背景下,愈来愈多的人将目光投向了商业银行的信贷业务,这也就预示着商业银行的信贷业务在不久的将来会出现办理高峰期,也正是因为这个原因,商业银行亟需改进革新当下正运行的信贷管理制度,审时度势、针砭利弊,以此促进商业银行的平稳发展。本文大致阐释了信贷管理的相关内容,随即结合商业银行信贷管理制度具体分析了改革前后的利弊所在,竭力展现改革商业银行信贷管理制度的重大意义。
In recent years, the concept of “early spending” has repeatedly appeared in people’s perspectives. It has virtually gone deep into the hearts of the people and triggered the thinking of people’s groups at all levels. Many people have speculated that “early spending” will be promoted to the whole Consumer trends. In such a social background, more and more people are turning their eyes to the credit business of commercial banks, which indicates that the credit business of commercial banks will go through the peak period in the near future. It is because of this The reason is that commercial banks urgently need to improve the credit management system in operation nowadays, assess the advantages and disadvantages and speed up the steady development of commercial banks. This article roughly explains the relevant contents of credit management, and then analyzes the advantages and disadvantages of the reform before and after the reform in combination with the credit management system of commercial banks, trying hard to show the great significance of reforming the credit management system of commercial banks.