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信贷档案管理工作是信贷管理的一项基础性工作,自始至终贯穿整个借贷过程,建立健全信贷档案对银行业金融机构有效防范信贷风险起着极其重要的作用。
Credit records management is a basic work of credit management. Throughout the entire lending process from beginning to end, establishing and improving credit files plays an extremely important role in banking institutions in effectively preventing credit risks.