中西方信贷文化对比分析  

Comparative Analysis of Chinese andWestern Credit Culture

作　　者：宋贺 SONG He(Jilin Financial Culture Research Center,Changchun 130124,China;School of Finance,Changchun Finance College,Changchun 130124,China)

机构地区：[1]吉林省金融文化研究中心,吉林长春130124 [2]长春金融高等专科学校金融学院,吉林长春130124

出　　处：《长春金融高等专科学校学报》2022年第1期35-39,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：我国当代商业银行的信贷文化,是伴随着西方量化风控模式的引进过程建立的,这种建立在西方信贷文化基础上的风控模式在我国的推广存在诸多问题,如盲目照搬导致水土不服、信贷风控流程化、形式化趋势明显、职业经理人队伍忠诚度较差、信贷免责文化盛行等。导致上述情况,主要是由于西方信贷文化存在外部支撑条件严苛、唯利是图的逐利本质等弊端。通过对比中西方信贷文化,更能够清晰拨开技术表象,观察到二者的深层文化,真正感受到我国传统文化对信贷文化的支撑。The credit culture of China's contemporary commercial banks was established with the introduc-tion of the western quantitative risk control model.There are many problems in the promotion of this kind of risk control model based on the western credit culture in China,such as blind copying leads to acclimati-zation,obvious process and formalization trend of credit risk control,poor loyalty of professional manag-ers,prevalence of credit exemption culture.The above situation is mainly due to the disadvantages of harsh external support conditions and profit seeking nature of western credit culture.By comparing the Chinese and western credit culture,it can more clearly allocate the technical appearance,observe the deep culture of the them,and truly feel the support of Chinese traditional culture to the credit culture.

关 键 词：中外信贷文化 风控模式 深层文化对比 

分 类 号：F832.51[经济管理—金融学]