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（一）科学决策，稳健操作管理的过程实质就是决策的过程。商业银行经营管理的实质就是经营者或管理者决策的过程。对于银行业务尤其是贷款业务来说，决策的核心就是贷款的进入与退出的问题。贷款进入与退出必须建立在科学决策、稳健操作的基础之上，才能保证这项工作的严肃性
(A) the process of scientific decision-making, sound operation and management is the process of decision-making. The essence of the operation and management of a commercial bank is the decision-making process of a manager or manager. For the banking business, especially the loan business, the core of decision-making is the issue of the entry and exit of loans. The entry and exit of loans must be based on scientific decision-making and sound operation in order to guarantee the seriousness of the work