Credit operation will be one of the most effective ways for commercial banks to gain profits in the future for a long time , and its benefit seems hold the balance of commercial banks 信贷业务是当前及今后相当一段时间内我国商业银行利润来源的主要渠道，其经营绩效对于我国商业银行来说仍举足轻重。
For the business concern s implementation all that matters is that the operation performed is the " credit operation . " it does not know or need to know about values in any other dimension 对于业务关注点的实现，重要的就是所执行的操作是“信贷业务” 。业务关注点不知道（或者不需要知道）任何其他维中的值。
With the development of commercial banks , the risk control of credit is always an important issue in the banks ’ operation . the credit management is an important mean in banks ’ risk control 众所周知,信贷业务是商业银行业务的主力军,纵观商业银行的发展过程,对信贷资金的风险管理一直是商业银行业务管理的一项重要内容。
The fast development of real estate in china brings many chances to the development of chinese economic and commercial banks in china . but we must notice that there will be some danger in the process 指经营房地产信贷业务的金融机构,由于决策失误、管理不善或客观环境变化等原因导致其资产、收益或信誉遭受损失的可能性。
This thesis concludes two modes used in choosing before loans and adds non - fiscal facts in loan decision , which could act as the theory basics of excluding bad loans 在这样的环境下，本文对以上两种现象提出了贷前采用对应的模式和贷中增加贷款决策因素分析，希望可以对逐渐消除信贷业务中不良成份的方法起到理论支持的作用。
Since the people ' s bank of china issued the notice guidance on developing personal consumption credit in march , 1999 , all those commercial banks quicken their pace in developing consumption credit 自1999年3月，中国人民银行发布《关于开展个人消费信贷的指导意见》的通知以后，各大商业银行加快了开展消费信贷业务的步伐。
Customer evaluation is the base and key point for credit business . credit customer evaluation contains a series of work . today , commercial banks use credit rating to evaluate customer 客户评价是信贷业务的基础和关键性环节,是适应国际金融标准,提高增量贷款质量,优化存量贷款及提高竞争能力的需要,是防范风险的根本性措施。
The hkma will issue an industry guideline to require ais that engage in consumer lending to participate in the sharing of positive consumer credit data and to have in place adequate controls to safeguard customer data privacy 金管局将会发出指引要求从事个人信贷业务的认可机构参与共用正面的个人信贷资料，并制定适当的监控措施保障个人信贷资料。
The guideline also requires all ais that are involved in the provision of consumer credit to participate as fully as possible in the sharing and use of consumer credit data through a cra within the framework laid down by the code 指引亦规定所有从事提供个人信贷业务的认可机构均应在守则所定的架构内透过信贷资料服务机构尽量全面参与共用个人信贷资料。
In the end , suggestions will be forwarded on a basis integrating chinese real conditions with advanced foreign experiences , so as to donate practical evidences and theoretical support to the development of chinese consumer credit 从而使本文最终落脚于为商业银行消费信贷业务层面提供明确的、具有可操作性的，与市场营销相结合的消费信贷风险控制解决方案。
