一、树立信贷风险管理的新理念对信贷、信贷风险、信贷风险管理有了新的认识。按加拿大存款保险公司的定义,信贷是指“在安全或不安全的基础上,为债务人提供或承偌提供资金,或转换资金(包括表内和表外的),此债务人有义务按要求、或按规定、或按双方之约定,在将来某一时间偿还本 I. Establishing a new concept of credit risk management New understanding of credit, credit risk and credit risk management. As defined by the Canadian deposit insurance company, credit refers to "providing for or providing funds to the debtor on a safe or unsafe basis, or converting funds (both on and off the balance sheet) that the debtor is obliged to require, as required, Or as required, or as agreed by both parties, at a future time to repay this