建立有中国特色的现代商业银行信贷文化体系

To Establish a Credit Culture System of Modern Commercial Banks with Chinese Characteristics

建立有中国特色的信贷文化体系是商业银行实现可持续发展的关键。本文详细分析了商业银行信贷文化的内涵和特征,阐述了信贷文化在银行信贷经营中的作用,以及传统文化、政治体制和行业特性对中国商业银行信贷文化的影响。本文认为,建设有中国特色的现代商业银行信贷文化必须在使命价值观、行为文化、制度文化和物质文化等方面下工夫,建设信贷文化是个长期和持续的过程,需在实践中持续推进、培育和完善,在具体实施过程中处理好若干问题。本文对商业银行建设信贷文化、提高信贷经营管理水平具有较高的参考和应用价值。

Establishing a credit culture system with Chinese characteristics is the key to realizing sustainable development of commercial banks. The paper analyzes the connotation and characteristics of credit culture of commercial banks, expounds the function of credit culture and the influence of traditional culture, political system and industry features on credit culture of Chinese commercial banks. The paper argues that establishing a credit culture system of modern commercial banks with Chinese characteristics must emphasize mission values, behavioral culture, institutional culture and material culture. To establish credit culture requires a long-term and continuous process and should be furthered, cultivated and improved through practice. Several issues must be properly handled in the process of implementation. The paper can provide valuable reference for commercial banks to build their credit culture and enhance the ability to manage credit business