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《商业银行法》颁布实施后，国有商业银行在商业化过程中，如何按照法律来规范信贷行为，实现信贷与法律的有机结合，防范信贷风险，提高信贷管理水平，已成为各行关心的热点。笔者就此谈一些浅见。一、信贷关系是一种以信用为基础，合同为形式的经济法律关系1．偿还性是银行信
After the promulgation and implementation of the Commercial Bank Law, how to standardize the credit behavior in accordance with the law, realize the organic combination of credit and law, prevent the credit risk and improve the credit management level has become a hot topic of concern in the commercial banks. I talk about some humble opinion. First, the credit relationship is a credit-based, contractual form of economic and legal relations 1. Reimbursement is a bank letter