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实行贷款风险度管理，符合社会主义各商业银行经营目标的要求，体现社会效益和银行利益的统一。随着社会的进步和我国社会主义币场经济的逐步确立，我国银行业建国以来建立和实行的一套适应计划经济体制要求的信贷资金管理制度日益暴露出某些弊端。例如银行成为政府的附属物，
Implementation of loan risk management, in line with the objectives of the socialist commercial banks, reflecting the unity of social benefits and bank interests. With the progress of society and the gradual establishment of China’s socialist market economy, a set of credit fund management systems established and practiced since the founding of our country’s banking sector has exposed some drawbacks day by day. For example, a bank becomes a government subsidiary,