信贷文化是一个涵盖很广的概念,它涉及到确定借贷关系的行为模式。信贷文化是商业银行在长期的信贷经营活动中形成的,信贷从业者普遍认可、共同遵守的信贷经营管理的价值理念和行为规范的总和。它的核心包括共同的规则,共同的价值理念和共同的习惯。 一、新型信贷文化的内涵 新型信贷文化应当体现三性,即时代性、系统性和效益性。所谓时代性,就是要紧跟时代的脉搏,体现时代的发展 The credit culture is a very broad concept that relates to patterns of behavior that determine the relationship of lending. Credit culture is formed by commercial banks in the long-term credit management activities. The credit practitioners generally accept the common values ​​and practices of credit management. Its core includes common rules, common values ​​and common customs. I. The Connotation of the New Credit Culture The new credit culture should embody the three nature, namely, the era, the system and the benefit. The so-called epoch is to keep up with the pulse of the times and reflect the development of the times