一、基层行须深刻反思,切实增强信贷风险意识,不断加大封闭管理工作力度通过清资核贷工作,暴露了一些不容忽视的问题,反映出基层行封闭管理工作尚存在不少漏洞。这些问题产生的重要根源是部分行信贷风险意识差,封闭管理各项制度未得到真正落实。为此,基层行应深刻反思,认真总结经验 First, the grass-roots banks must profoundly reflect on and effectively enhance their credit risk awareness and constantly increase their efforts in closed management through exposing some issues that can not be ignored. This shows that there are still many loopholes in the closed-door management of grass-roots banks. An important source of these problems is that some banks have poor awareness of credit risk and all the systems of closed management have not been fully implemented. To this end, grass-roots banks should conduct a profound reflection, earnestly sum up experience