credit collections meaning in English

收取信贷款

And then this text made the countermeasures of building credit risk management system : the first , good credit culture should be formed to build the cultural foundation of risk management of credit ; secondly , the structure of risk management should be improved to block up the loopholes of current risk supervision mode ; besides , credit collection system should be built as the guarantee because credit measure models needing accurate reliable datum ; most important , to achieve the revolution of credit risk management , credit risk models should be set up ; finally , chinese commercial banks need took measures to manage credit risks , including the adoption of asset securitization and credit derivative securities
最后是打造信用风险工程化管理体系的对策部分：首先是要构建良好的信用文化，打造信用风险管理的文化基础；其次要构建全面的风险管理模式，完善信用流程监控漏洞；同时，度量模型需要准确可靠的数据来源，因此需要完善的征信体系作为保障；最重要的，是建立先进的信用风险模型，实现信用风险量化管理的革命；最后还需要引入多样的风险转移手段，疏通信用风险缓释渠道。