商业银行信贷文化的完善是提高商业银行信贷资金配置效率的重要前提。当前,商业银行应尽快实现信贷资金配置文化的转换,由计划配置为基础,改变为以市场配置为基础,遵循市场配置资源的基本经济规律,让价格在信贷资金的配置中发挥杠杆作用,真正建立起符合现代金融企业制度的市场化信贷配置文化。 The improvement of credit culture of commercial banks is an important precondition to improve the efficiency of commercial banks’ credit funds allocation. At present, commercial banks should realize the conversion of credit capital allocation culture as soon as possible, change from planned allocation to market-based allocation and follow the basic economic law of market allocation of resources so as to leverage prices in the allocation of credit funds. Real Establish a market-oriented credit allocation culture that conforms to the modern financial enterprise system.