信贷业务管理信息系统(以下简称信息系统)是银行业务综合系统的有机组成部分,它不仅仅是业务信息传递的有效工具,也是信贷业务风险控制的重要手段。它能有效地控制由于银行管理人员和具体业务人员业务素质与道德因素形成的不合规、不合法的行为,进而控制最难以控制的人为风险。商业银行应充分发挥信息系统的预警和监督的作用,达到同时监控每笔信贷业务每个参与人员行为的目的。 The credit business management information system (hereinafter referred to as the information system) is an integral part of the banking integrated system. It is not only an effective tool for business information delivery, but also an important means of credit risk control. It can effectively control the non-compliant and illegal behaviors formed by the professional quality and morality of bank managers and specific business personnel, and then control the most in-control risks. Commercial banks should give full play to the early warning and supervision of the information system to achieve the purpose of simultaneously monitoring the behavior of each participant in each credit business.