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本文通过分析信用管理的重要作用,希望找到一条让我国商业银行由弱变强的途径,同时解决我国商业银行存在的种种问题。信用管理恰恰是解决我国商业银行经营问题的主要手段。信用管理概念的引入有利于我国银行业贷款风险的降低,从而减少经营风险,增加效益。本文提出的几点建议,希望信用管理概念在银行业更加深入落实,最终将大大增强我国银行业的市场竞争力,并有助于我国银行业与国际大型金融机构在世界舞台上展开竞争。
By analyzing the important role of credit management, this article hopes to find a way to make our country’s commercial banks weak and strong while solving the problems existing in our country’s commercial banks. Credit management is precisely the main means to solve the problems of commercial banks in our country. The introduction of the concept of credit management is conducive to China’s banking industry to reduce the risk of loans, thereby reducing operational risk and increase efficiency. The suggestions put forward in this paper hope that the concept of credit management will be further implemented in the banking industry, which will eventually greatly enhance the market competitiveness of China’s banking industry and help our banking industry to compete with the world’s major financial institutions on the world stage.