针对提高信贷集约化管理水平问题，国有商业银行进行了不少的探索和改革。这些措施对于加强信贷集约化管理、提高信贷资金效益、化解信贷资金风险都发挥了重要的作用。提高银行信贷资金集约化管理水平，需要对信贷资金管理体制进行综合调整，在实际工作中要注意几个方面的问题 In order to raise the level of credit intensive management, the state-owned commercial banks conducted a lot of exploration and reform. These measures have played an important role in strengthening the intensive management of credit, improving the efficiency of credit funds and resolving the risks of credit funds. To improve the intensive management of bank credit funds requires a comprehensive adjustment of the credit fund management system. In actual work, we should pay attention to several issues