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以先进的信贷文化有效预防信贷风险,概括地讲,就是要通过实现信贷业务基本理念、组织架构、操作规范、检查反馈的全局或局部统一,逐步建立起对外服务和经营标准化、对内管理和操作规范化的信贷质量文化体系,牢牢控制信贷业务运行中的市场风险、经营风险、道德风险和操作风险,始
To effectively prevent credit risk with an advanced credit culture, in a nutshell, it is necessary to gradually establish a system of external service and management standardization, internal management and control through the realization of the overall or partial reunification of the basic concepts, organizational structure, operational norms and inspection feedback of credit business Operate a standardized credit quality culture system and firmly control the market risk, business risk, moral hazard and operational risk in the operation of credit business