信贷文化是指汲取传统信贷业务实践和思想的精华,吸收当今世界先进的信贷经营方式和管理思想,使所有信贷从业人员建立起明确、统一的行业价值观念和行为规范,为员工营造一个积极、宽松的工作环境和氛围,从而使我国信贷行业得以健康发展。入世后,在保持我们传统信贷文化优势的同时,将外国信贷文化中好的东西融入进来,从而形成具有时代特征的中国信贷文化,是一个亟待解决的问题。 Credit culture refers to the essence of drawing lessons from the practice and thought of traditional credit business. It absorbs the advanced credit management mode and management thinking in the world and enables all credit practitioners to establish clear and unified industry values ​​and codes of conduct so as to create a positive, Relaxed working environment and atmosphere, so that China’s credit industry can be healthy development. After China’s accession to the WTO, it is an urgent issue to integrate the good things in the foreign credit culture while maintaining the advantages of our traditional credit culture so as to form the credit culture of China with the characteristics of the times.