一、更新观念,开拓创新,努力构建与现代商业银行相适应的信用风险防范体系 信贷评估部自1998年成立以来,按照总行党委的要求,坚持改革与发展并举、科技优先的原则,紧跟全球金融业先进的管理理念和发展趋势,努力适应全行经营格局和信贷结构调整的巨大变化,和全行信贷评估人员一道,克服困难,锐意进取,大胆创新,在探索与现代商业银 I. Renewing Concept, Pioneering and Innovating, and Striving to Build a Credit Risk Prevention System Suitable for Modern Commercial Banks Since its establishment in 1998, in accordance with the requirements of the party committee of the head office, the Credit Evaluation Department has adhered to the principle of giving priority to both reform and development and prioritizing science and technology, In line with the advanced management concepts and development trend of the financial industry, we endeavored to adapt to the tremendous changes in the Bank’s business operation and credit structure adjustment. We worked hard with credit evaluators throughout the Bank to overcome difficulties, strive for progress, and make bold innovations.