西方商业银行制度及信贷管理耿忠西方发达国家的商业银行制度由来已久，经多年实践，各国都已逐步形成了较为完善的管理体系。西方商业银行制度建立的基本原则，主要有三个：其一是竞争。商业银行的经营目的是实现利润最大，其经营手段就必须体现竞争，遵循优胜劣汰的市场... Western Commercial Bank System and Credit Management Geng Zhong The commercial bank system in the western developed countries has a long history. After many years of practice, all countries have gradually formed a relatively complete management system. There are basically three basic principles for establishing a system of commercial banks in the West: one is competition. The purpose of commercial banks is to achieve maximum profits, and its means of operation must reflect the competition, follow the survival of the fittest market ...