信贷管理体制改革，是一个既敏感又格外引人关注的问题。本文试借鉴西方商业银行经营管理理念，谈谈对工商银行信贷管理体制改革的几点认识。一、发达国家和地区商业银行成功的经验（一）高效的组织架构和运营机制。1．组织架构和管理。为适应商业银行业务经营全球化、一体化的 The reform of the credit management system is a matter that is both sensitive and of particular concern. This article attempts to learn from the management concept of western commercial banks, to talk about the Industrial and Commercial Bank credit management system reform of some understanding. First, the successful experience of commercial banks in developed countries and regions (a) efficient organizational structure and operation mechanism. 1. Organizational structure and management. In order to adapt to the commercial banking business globalization, integration