As the long-standing major consumer credit agencies in western developed countries, the management policies of consumer finance companies have already been quite perfect.
消费金融公司作为在西方发达国家存续已久的主要消费信贷机构，其管理政策已经建设得相当完善。
Therefore, the foreign trade enterprise must establish the perfect credit risk management function and undertakes the customer risk control and the account receivable management responsibility.
因此，外贸企业必须建立健全专门的信用风险管理体系，专业化地承担客户风险控制和应收账款管理的责任。
The fast growth of personal credit consumption requests the bank to have perfect credit risk management system.
个人信贷消费的快速增长要求商业银行具有较为完备的信用风险管理体系。
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