Lender's using of accounting information is not only a theoretical issue about the accounting information usefulness for decision making but also a practical problem in bank credit risk management.
贷款人对企业财务信息的关注不只是会计信息决策有用性的理论问题，更重要的是银行如何加强对贷款风险有效控制的一个非常实际的问题。
Based on the procedure of financial risk management, this paper analyzes the present situation of credit decision-making procedure of commercial Banks in China.
以金融风险管理基本流程为基础，分析了我国商业银行信用风险管理决策程序的现状。
Because the market risk and credit risk for Banks, financial institutions, investors are a very important and can influence decision-making factors.
因为市场风险和信用风险对于银行、金融机构、投资者来说都是一种非常重要的并且能够影响决策的因素。
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