论当前国内商业银行授信业务管理与风险防范

Theory on the Credit Management and Risk-control of Current Domestic Commerci al Bank

目前国内商业银行授信管理存在着缺陷 ,授信质量受到影响。因此 ,国内商业银行必须完善法人治理结构 ,在此基础上建立健全科学的绩效考核指标、风险控制和决策机制 ,加强制度建设和执行力度 ,从而有效控制风险 ,培育良好的银行授信文化。

There is disfigurement in the domestic commercial bank at present, the quality o f credit is infected.So domestic commercial bank must perfact corporate-governm ent. On the basic of it, bank should establish scientifie performance index, ris k-control and decision-making mechanism, strengthening system-constructing an d execute-strength. Then the commercial bank control risk in effect, cultivate nicer culture of bank credit.