This is a great reform to loan risk management system of our banks and in the meantime a big act to protect financial security, and moreover an important link of joint between our banking after entry into WTO and international current rules.

• 这是我国商业银行信贷风险管理制度上的重大改革，也是维护金融安全的重大举措，是我国加入WTO以后银行业与国际通行规则接轨的重要环节。