信贷功能是国家实现经济、社会发展战略的核心工具,信贷业务是一家银行配置资源、创造价值的主要渠道,信贷经营是现代商业银行立行兴业、永续发展的重要引擎。后金融危机时代,探索信贷业务的运行规律、经营规律与经营策略,积极支持经济推进结构调整和发展方式转变,增强金融对经济的服务功能已成为各商业银行面临的一项重要任务。 Credit function is the core tool for the country to implement its economic and social development strategy. Credit business is the main channel for banks to allocate resources and create value. Credit management is an important engine for modern commercial banks to set their foot on the road to industrial growth and sustainable development. In the post-financial crisis era, it is an important task for commercial banks to explore the operation rules, operating rules and business strategies of credit business, actively support the economic restructuring and development mode transformation, and enhance the service functions of finance to the economy.