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宝港公司的案例再次揭示出:贷款风险管理是一个动态的、不断完善的过程。银行要随着社会经济技术的发展、环境的变迁、客户的经营模式、经营特点的不断变化,及时调整、完善信贷政策制度、技术手段、管理方法、知识技能及业务流程,并使之相互适应。这才能有效控制风险,保障银行资金安全。
The case of Baogang Company once again reveals that loan risk management is a dynamic and continuous improvement process. Banks should adjust and perfect the credit policy system, technical means, management methods, knowledge and skills and business processes with the changes of social economy and technology, environment changes, customer’s business model and business characteristics, and adapt them to each other . This can effectively control the risk and ensure the safety of bank funds.