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统一授信制度是一项有效防范信贷风险的基本制度和方法，是避免银行信贷风险集中的有效手段，在风险管理中起着重要的作用。一、统一授信的内容统一授信是指商业银行在对单一法人客户的风险和财务状况进行综合评估的基础上，确定能够和愿意承担的风险总量，即最高综合授信额度
The unified credit system is a basic system and method for effectively preventing credit risk. It is an effective way to avoid concentration of bank credit risk and plays an important role in risk management. First, the contents of a unified credit Uniform credit refers to the commercial banks in a single corporate clients a comprehensive assessment of the risk and financial conditions, to determine the total risk that can and willing to bear, that is, the highest comprehensive credit line