因此，加强信贷风险管理、提高信贷风险管理水平成为各商业银行的当务之急。

Hence, enhance credit risk management and improve credit risk managing ability gradually become the top urgent affairs for each commercial Banks.

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因此，加强和完善信贷风险管理，切实降低不良资产，是四大国有商业银行今后几年工作的重点，也是我国有效降低金融风险的重要保障。

So enforcing the system of credit risk management to reduce the amount of bad assets is the four state-owned commercial Banks' main work, and also ensures to reduce our country's financial risks.

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最后总结出加强中国银行陕西省分行信贷风险全过程管理的五点结论性意见。

Finally, this paper concluded five Suggestions that strengthen the entire process of credit risk management of Bank of China in Shaanxi.

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