选择信贷企业的辩证思考任崇海商业银行优选信贷企业，以尽量少的投入取得尽量多的有用产出，提高信贷资金使用效益，是实现利润最大化的关键。目前，银行选择信贷企业主要以企业信用等级为基础，运用数学方法进行风险量化，作为信贷决策依据。但是，在计划经济体制向市场... Dialectical Thinking of Choosing Credit Enterprises Ren Zhonghai Commercial Bank as a Preferred Credit Enterprise, with as few inputs as possible to obtain as much useful output as possible, and improving the efficiency of the use of credit funds are the keys to maximizing profits. At present, banks choose credit enterprises mainly based on the enterprise credit rating, the use of mathematical methods to quantify the risk as a basis for credit decisions. However, in the planned economic system to the market ...