本文第一部分是商业银行信贷风险管理概述。
This first part is an overview of commercial bank credit risk management.
商业银行信贷风险管理水平的低下是信贷风险产生的主要原因。
Low level of credit risk control is the major reason that results in credit risk.
更为严重的是，商业银行信贷业务道德风险还会通过信贷业务对整个社会的利益产生负面作用。
What more serious is that, such moral risk will take negative effect to the interest of whole society.
更为严重的是，商业银行信贷业务道德风险还会通过信贷业务对整个社会的利益产生负面作用。
What more serious is that, such moral risk will take negative effect to the interest of whole society.
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