《商业银行法》、《贷款通则》等金融法规的实施，以立法形式把审贷分离制度作为贷款程序的要素和贷款管理制度的重要内容确立下来，随着我国金融体制改革的深入，各商业银行建立审贷分离制度已经势在必行。但是，从一些银行具体执行的情况看，还存在不少问题和缺陷，如何建立 The implementation of financial laws and regulations such as the Law on Commercial Banks and General Rules for Loans has established the separation of credit and lending as an important element of the loan procedure and the important content of the loan management system with the form of legislation. With the deepening of China’s financial system reform, It is imperative for banks to set up a system of separating loans from debit and credit. However, judging from the actual implementation of some banks, there are still many problems and shortcomings. How to establish