信贷文化是商业银行企业文化的重要组成部分 - 中国（Credit culture is an important part of commercial bank culture）.docVIP

信贷文化是商业银行企业文化的重要组成部分 - 中国（Credit culture is an important part of commercial bank culture） Agricultural bank credit culture analysis The whole understanding of credit culture Credit culture is the corporate culture is an important part of commercial Banks, commercial Banks in the long-term credit business activities, formed by precipitation and accumulation of the credit management of the sum of norms and values, mainly including credit object choice, cognition of credit risk, credit business orientation, etc. The healthy credit culture can provide institutional support for the development of commercial bank credit business, and strengthen the foundation of concept. Agricultural bank as a product of financial reform in our country, after years of development, the overall basic implementation from can survive stage to a major shift of sustainable development, because of the complicated history, lack of internal system and external influence factors of history and reality, the vast majority of banks credit culture has not yet formed its own characteristics. Therefore, this paper attempts to discuss the credit culture of agbank. Ii. Understanding and understanding of agricultural policy bank credit culture Agricultural bank as an important financial force in Chinas banking industry, due to the cultural precipitation, staff basic quality, regional economic environment and other factors, judging from the current situation of the development of the credit culture, there are still some obvious defects. 1. Market positioning and lack of customer groups As the big four state-owned commercial Banks of financial institutions, most of the agricultural bank will own target market positioning for agriculture, rural areas and farmers, between cities, into the country: one is the citizens and peasants, the local citizens of the city and the rural farmers; The second is municipal, municipal projects in local cities; Third, the municipal enterprises, namely small and medium-sized ente