目前,我国银行信贷审批中存在着诸多问题,为了提高银行的信贷管理水平和资产质量,各级经营机构必须坚持以客户为中心、以效益为目标、以风险防范为前提的经营理念,完善信贷审批业务流程,提高审批质量和效率,确保信贷审批适应当前业务发展的需要。 At present, there are many problems in the examination and approval of bank credit in our country. In order to improve the credit management level and asset quality of banks, the business organizations at all levels must adhere to the customer-centered, efficiency-oriented and risk-based business philosophy and improve credit Approve business processes, improve the quality and efficiency of approvals, and ensure that credit approvals meet the needs of current business development.