本文在研究过程中综合运用经济学相关理论进行分析，将文章的论述建立在经济周期理论、信贷周期理论、信贷风险管理理论基础上。
In this paper , the process of research related to the integrated use of economic theory analysis , the article is the establishment of the economic cycle theory , the credit-cycle theory , the credit risk management theory .
信贷周期理论