对商业银行信贷风险管理的研究，可以保障银行的经营安全，以最小的损失来获得控制信贷风险的最佳效果，防患于未然。
The research on the credit risk management of commercial bank can guarantee security, control the credit risk effectively with a minimum loss and take preventive measures.
之所以选择这两个机构，是因为它们被认为是在小额信贷机构中提供最佳小额信贷实践管理服务的。
The two institutions was chosen because it is considered to be among the MFIs with the best practices for administering microfinance services.
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