随着国际银行业危机的发生，国际银行业和学术界开始深刻意识到研究银行信用风险管理技术的重要性。
Along with international banking crises occurring, international banking and academic circles have realized deeply the significance of the researches on credit risk management technology for Banks.
但我省企业目前的信用状况是：信用观念和信用意识淡薄，信用管理基本是一片空白。
However, many enterprises in our country have little sense of credit and the credit administration is almost a blank.
第一，转变观念并提高全员风险控制意识，把信用管理作为重要的管理内容，并得到公司高层领导的支持；
Three suggestions as below:(1) Change notion and improve sense of total risk control, put management of credit as important point, and gain support from top management.
与世界发达国家相比，我国企业的信用风险管理意识缺乏，信用管理能力不足，信用风险状态令人堪忧。
Compared with world-developed countries, China's corporate insufficient awareness of credit risk and immature risk management skill makes the current credit risk a big concern.
与世界发达国家相比，我国企业的信用风险管理意识缺乏，信用管理能力不足，信用风险状态令人堪忧。
Compared with world-developed countries, China's corporate insufficient awareness of credit risk and immature risk management skill makes the current credit risk a big concern.
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