随着社会主义市场经济体制的建立和我行二级分行逐步从传统管理型机构向经营管理型核算单位的过渡，多年来我行实行的信贷分散管理模式下的信贷管理体制和运行机制，即信贷文化、组织机构、信贷程序、经营理念、风险管理、信贷人员管理等，与其所承担的愈来愈强的信贷经营职能 With the establishment of the socialist market economic system and the gradual transition from the traditional management-oriented institutions to the operating-management accounting units of the secondary branches of the Bank, the credit management system and operation mechanism under the decentralized credit management model implemented by the Bank over the years Credit culture, organizations, credit procedures, business philosophy, risk management, credit officer management, etc., and its commitment to the increasingly strong credit management functions