信贷文化

构建良好的信贷文化是重要条件；

Constructing of good credit culture is an important condition ;

在印度，出于政治目的的贷款豁免曾经毁坏了这里的信贷文化，而这一现象目前正在卷土重来。

In India , politically motivated mass loan waivers , which ruined credit culture in the past , are reappearing .

西方商业银行信贷文化及其借鉴

Credits Culture of Western Commercial Banks and its Implications

但是由于各国国情不同，银行的信贷文化也不一样，因此化解银行不良资产的方式、方法和思路也应当是千差万别的。

Given the difference of countries situation and bank credit cultures , the modes and methods to disposing the NPA of banks should also be different .

对我国商业银行信贷文化的发展背景进行了分析，并对不良信贷文化的种种表现作了论证，提出了在现实环境下，如何构建商业银行健康的信贷文化的对策。

The thesis analyzes the background of credit culture , demonstrates the representation of ill credit culture , try to raise suggestions on how to build healthy credit culture .

要在穷人经济学的命题下，在适宜的信贷文化氛围中，实现兼顾公平的小额信贷管理的商业性的可持续成长的新革命。

Under the topic of " economy of the poor " , with the suitable credit culture environment , we need to realize the relatively fair and continuous revolution for the small amount credit commercial management .

需要谋求在分行的职责和支行的职责之间达到最佳平衡的管理方法并且培育信贷文化，辅以对人力资源和专业技能发展的高度关注。

Need to find at a branch of the duties and responsibilities of sub-branches to achieve the best balance between the management and training credit culture , supported by human resources and professional skills development of great concern .

控制货款风险源头营造信贷风险文化

On Creation of Loan Risk Culture

目前工商银行正处于风险管理革命与产权革命并存的关键时期，提升工商银行的核心竞争力，构建有效兼顾业务发展与风险控制的先进信贷风险文化显得尤为重要。

At present , ICBC is at a critical juncture where risk management revolution and ownership revolution coexist . It is extremely important to improve the core competitiveness of ICBC and create a credit risk culture that effectively balance business development and risk control .

我们需要什么样的信贷风险定价文化

What Credit Risk Pricing Culture Do We Need

西班牙的失业率已接近适龄劳动力的20%，预算赤字预计将达国民收入的10%。这只是去年危机爆发前宽松信贷推动增长的文化遗产之一。

Spanish unemployment at almost 20 per cent of the workforce with a budget deficit expected to reach 10 per cent of national income is just one legacy of the culture of easy credit-fuelled growth followed by last year 's collapse .

因此，建立完善我国现代商业银行信贷资产风险管理体系，必须着力抓好制度、文化和人三个关键要素；同时，把握先进性原则，构建以风险控制为核心的信贷风险管理文化；

Therefore , in order to establish and improve the risk management system regarding credit assets , it is necessary to grasp well three key factors of system , culture and staff .