信贷文化是指信贷管理工作中所形成的价值取向和行为规范。健康的信贷文化必须要强化规范意识、风险意识、客户和市场意识、成本和效益意识。培育健康的信贷文化,规避金融风险,是我国金融业当前和今后一个时期最重要的任务之一。一、培育健康信贷文化的前提一要切实转变信贷决策和贷后管 Credit culture refers to the value orientation and code of conduct formed in credit management. A healthy credit culture must strengthen awareness of norms, risk awareness, customer and market awareness, cost and effectiveness awareness. Nurturing a healthy credit culture and avoiding financial risks are one of the most important tasks for our country’s financial industry at present and in the coming period. First, cultivate a healthy credit culture, the premise must effectively change the credit decision-making and loan management