显然，并非所有企业都有信用管理意识。
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.
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