Chapter Three of this thesis puts emphases on credit risks management system and its executive efficiency.

本文的第三章着重讨论了信贷风险管理的制度系统及其执行效率。

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The attention mostly was paid on the following aspects:(l)Based on the systemic analysis of the credit risks management system, the conceives on how to control the risks is presented.

系统地分析了信用风险管理体系，提出了构建完善的信用风险管理体系的具体设想。

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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.

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。

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