真实、有效的信贷主体资料反映出信贷客户主体资格的完备性,是客户准入的基础,这是信贷风险防范的第一步。真实的业务(经营)是发生信贷业务的基础,是贷款的第一还款来源,是信贷风险防范的第二步。足额、有效的担保是信贷的第二还款来源,在第一还款来源出现问题时可以充分维护银行信贷资产的 The real and effective information of the credit subject reflects the completeness of the qualifications of the credit client as the basis for customer access. This is the first step in preventing credit risk. The real business (business) is the basis of the credit business occurs, is the first source of repayment of loans, credit risk prevention is the second step. A full and effective guarantee is the second source of repayment of credit and can adequately safeguard the bank’s credit assets when problems arise from the first repayment source