商业银行信贷文化是指商业银行在长期信贷实践工作中形成的普遍认同的价值取向及行为规范的总称,是其企业文化的重要组成部分。信贷业务是商业银行最基本、最核心、最重要的业务,而信贷领域的风险是商业银行最主要的风险。良好的信贷文化对商业银行规范信贷业务操作、防范信贷风险、促进商业银行稳健经营起着至关重要的作用。特别是在我国长期积累的矛盾和风险进一步显现,经济增速换挡、结构调整阵痛、新旧动能转换相互交织,经济下行压力加大,企业经营效益下滑,贷款风险事项频发的大背景下,加强商业银行信贷 The credit culture of commercial banks refers to the universally accepted value orientation and code of conduct formed by commercial banks in long-term credit practice and is an important part of their corporate culture. Credit business is the most basic, the core and most important business of commercial banks, while the credit risk is the most important risk of commercial banks. A good credit culture plays a crucial role for commercial banks in regulating credit business operations, preventing credit risks and promoting the sound operation of commercial banks. In particular, under the backdrop of the long-term accumulation of contradictions and risks in our country, the shift in economic growth, the pain of structural adjustment, the intertwined transition of old and new kinetic energy, the downward pressure on economic downturn, the declining operating efficiency of enterprises, and the frequent occurrence of loan risks, Strengthen commercial bank credit