【摘要】 针对我国目前信贷资金管理体制的现状 ,就现行《贷款通则》中存在的缺陷和问题进行了分析和探讨 ,并围绕信用评级制度、审贷分离制度、资产保全制度提出了一些立法建议 ,以期在《贷款通则》的基础上早日制定、出台一部全面的、系统的、可操作性强的信贷法规 ,明确信贷活动中相关主体的职责 ,合理分配信贷风险更多还原

【Abstract】 In view of the status quo of China′s credit fund management system, the paper analyzes and probes into defects and problems of the current “General Law of Credit” and advances some legislation proposals on the credit rating system, examination and loan separation system and assets saving system. It is expected that based on the “General Law of Credit” an all-round and systematic law and regulations with stronger operability will be worked out making clear the duties of related main bodies in credit activities and reasonably reducing credit risks.更多还原