信贷文化作为金融机构一种积淀下来的力量,在借贷双方关系和行为模式上有着决定性作用。甚至在整个组织的运行中也发挥着重要影响。毋庸讳言,对有些银行、对某些即便是信贷工作者来说,既具体又抽象的信贷文化确实有些缺失,需要加强学习,强化实践,使其成为一种不灭的东西,加以扬弃,得以传承。信贷文化的精髓简言之就是:摸得到,押得住,易变现。 Credit culture, as a kind of financial institution, has a decisive influence on the relationship and behavior patterns between lenders and borrowers. It even plays an important part in the operation of the entire organization. Needless to say, for some banks, for some, even credit workers, there is indeed a lack of concrete and abstract credit culture, and the need to strengthen learning and practice so as to make it an immortality that can be abandoned inherited. The essence of the credit culture is simply: feel, custody, easy to cash.