By comparison with the world advanced administrative system of commercial bank credit risk and drawing on the experience of administration of international advanced commercial banks , the essay puts forward the concept that the ideal administration of credit risk should be firmly based on regulations and technology , and construction of culture and external credit environment should also be included 通過與國際先進(jìn)的商業(yè)銀行信用風(fēng)險(xiǎn)管理體系對比,并借鑒國際先進(jìn)商業(yè)銀行風(fēng)險(xiǎn)管理的經(jīng)驗(yàn),提出了理想的風(fēng)險(xiǎn)管理體系必須牢固建立在制度和技術(shù)兩個(gè)平臺(tái)之上,并將商業(yè)銀行信用文化建設(shè)和外部信用環(huán)境建設(shè)納入其中。風(fēng)險(xiǎn)管理的戰(zhàn)略、偏好、政策、過程及組織架構(gòu)均可以認(rèn)為是風(fēng)險(xiǎn)管理體系制度要素。