对中国的商业银行来说,信贷业务不仅是为其创造价值的主力部队,更是具有开发价值的生力军。因此,利用信息技术规范信贷流程,降低风险成本可以使商业银行在信贷业务的经营中如虎添翼。华夏银行大集中项目开发办公室项目管理处有关人员表示,信贷系统的应用为“信贷文化”带来突破性的潜在收益。 For commercial banks in China, credit business is not only the main force that creates value for them, but also a new force of development value. Therefore, the use of information technology to regulate the credit process and reduce the cost of risk can make commercial banks even more powerful in their credit business operations. The project management office of Huaxia Bank, a large concentration project development office, said that the application of the credit system has brought a breakthrough potential profit to “credit culture.”