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建立银行同业信贷查询系统,是商业银行自身发展的需要,既有利于避免同业恶性竞争,提高银行服务质量,又有利于加强金融监管,防范化解信贷风险。建立银行同业信贷查询系统的内容主要包括:建立信贷政策指导制度;建立贷户信用通报制度;完善客户信用审查制度;建立信贷查询系统管理责任制。
The establishment of a bank interbank credit inquiry system is the need of commercial banks for their own development. It not only helps to avoid vicious competition among banks and improve the quality of banking services, but also helps strengthen financial supervision and prevent credit risks. The establishment of a system for interbank credit inquiry mainly includes: establishing a credit policy guidance system; establishing a credit reporting system for credit customers; improving the credit examination system for customers; and establishing a credit inquiry system management responsibility system.