比较中外商业银行的经营管理体系，从中分析它们的异同、优劣，对于掌握先进的商业银行经营管理理念，提高我们的经营管理水平有着极大的帮助。 通常我们认为，制约中国商业银行信贷经营管理水平的一个重要因素，是我们的信贷从业人员队伍与大型跨国银行相比还存在较大差距。也 Comparing the management systems of Chinese and foreign commercial banks, analyzing their similarities and differences, merits and demerits is of great help in mastering advanced management concepts of commercial banks and improving our management level. In general, we think that an important factor restricting the level of credit operation and management of commercial banks in China is that there is still a long way to go in terms of the size of our credit workforce compared with large multinational banks. and also