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技术构成是指个人或某一群体在学习和实践过程中积累形成的经验和知识的搭配、组合。随着我国市场经济的发展,市场的作用越来越大。商品生产经营以及与之紧密相联的银行贷款的风险也随着增大,面对市场经济条件下银行贷款风险的加大,提高信贷员队伍的技术构成,改善信贷人员的知识结构,对于防范、控制贷款风险有着极为重要的意义与作用。
Technical composition refers to the individual or a group of learning and practice in the process of accumulation of experience and knowledge formed by the mix. With the development of the market economy in our country, the role of the market is getting bigger and bigger. The risk of commodity production and operation and the closely related bank loans also increases. Facing the risks of bank loans under market economy, improving the technical composition of loan officers and improving the knowledge structure of credit officers, , Control of loan risk has a very important meaning and role.