理论研究方面，从风险管理的角度阐述了商业银行信贷业务流程的特殊性，并在风险管理理论的基础上，构建了风险价值链的分析方法。
From risk management perspective, theoretically describe the specialty of credit business process, and, on the basis of credit management theory, build up the analysis techniques of risk value chain.
在此基础之上完成了设计适合邮储银行的信贷业务的业务架构、数据架构及系统架构；
Then, the system architecture design fit for the model of postal saving bank's credit business is analyzed.
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