我国传统金融机构的信贷文化剖析及启示  

Analysis and Enlightenment of Credit Culture of Traditional Financial Institutions in China

作　　者：宋贺 SONG He(Jilin Financial Culture Research Center,Changchun 130028,China;School of Finance,Changchun Finance College,Changchun 130028,China)

机构地区：[1]吉林省金融文化研究中心,吉林长春130028 [2]长春金融高等专科学校金融学院,吉林长春130028

出　　处：《长春金融高等专科学校学报》2020年第5期42-46,共5页Journal of Changchun Finance College

基　　金：吉林省金融文化研究中心科研资助项目(JZSJPT2020007)。

摘　　要：能否做好信贷风险防控已成为衡量商业银行管理水平最重要的标准,而信贷文化对于商业银行信贷风险防控至关重要。因此,系统梳理印子钱、典当行以及钱庄等传统金融机构的信贷文化,挖掘其信贷文化的优缺点,对我国信贷文化建设很有启示意义。Whether the credit risk prevention and control can be done well has become the most important standard to measure the management level of commercial Banks,and credit culture is very important to the prevention and control of credit risk of commercial banks.Therefore,it is of great significance for the construction of credit culture in China to systematically sort out the credit culture of traditional financial institutions such as high interest loan(in former times),pawnbrokers and banks,and explore the advantages and disadvantages of their credit culture.

关 键 词：传统金融机构 信贷文化 启示 

分 类 号：F832[经济管理—金融学]