授信是指商业银行向非金融机构客户直接提供的资金，或者对客户在有关经济活动中可能产生的赔偿、支付责任 做出的保证
第四部分，将非财务信用评价指标体系应用到实际问题的解决，为商业银行授信决策提供依据。
Part four, use the above evaluation system and method to analyse the practical case, helping commercial bank to make credit decision.
从总体分析，我国商业银行对集团客户的授信管理缺乏一整套有针对性的管理制度和操作规范。
At whole analysis, our commercial Banks lack a complete pertinency management system and operating procedure for credit management of group clients.
商业银行应当审慎使用外部信用评级，外部信用评级结果不应直接作为商业银行的授信依据。
I. Commercial Banks shall use external credit ratings with caution, and shall not directly use external credit rating results as the basis for extending credit.
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