商业银行信贷文化的选择与完善

On commercial band credit culture’s selection and perfection

商业银行信贷文化的完善是提高商业银行信贷资金配置效率的重要前提。当前,商业银行应尽快实现信贷资金配置文化的转换,由计划配置为基础,改变为以市场配置为基础,遵循市场配置资源的基本经济规律,让价格在信贷资金的配置中发挥杠杆作用,真正建立起符合现代金融企业制度的市场化信贷配置文化。

the transition of the credit allocation cu lture is the key to the improvement of the efficiency of the credit allocation of the commercial banks.Under the current institution,the commercial banks should quicken the transition of credit allocation culture from plan-orientation to market-oriented to make possible the leverage functioning of price.A real marketized credit operation culture to meet the modern financial enterprises institution should be built.