管理自由化与信贷市场的脆弱性——对工商银行股改后推进信贷管理精细化和科学化的思考

Management Liberalism and Fragility of Credit Market——thought on making credit management finer and more scientific after shareholding reform of ICBC

本文结合工商银行信贷管理现状,针对现阶段信贷管理风险意识淡化、制度约束弱化、贷款管理行为随意化及监管弹性化等自由化的诸多表现形式,将推进信贷管理精细化和科学化的思路概括为“培养一支队伍、重点完善两个办法、把好五个关口”,即构建风险信贷文化,打造信贷核心竞争力,培养一支高水平的专业技术人才队伍;健全激励机制和责任追究制度,重点建立和完善《信贷从业人员考核管理办法》和《不良信贷资产责任认定管理办法》;进一步优化信贷业务流程,把好贷前调查关口、贷款审批关口、贷款发放关口、贷后管理关口及信贷管理监督关口。

In view of credit management of ICBC characterized by slackened risk awareness, weak system constraint, random loan management and arbitrary supervision, this paper generalizes finer and scientific credit management into the following steps： to foster a risk credit culture and construct core credit competitiveness with a high-caliber professional team, improve incentive mechanism and accountability system, emphasize implementation of ＂Regulations On Evaluating Credit Loaners＂ and ＂Reguahions on Accountability for Non-Performing Assets,＂ optimize credit business flow and do a good job in pre-loan investigation, loan examination and approval, loan extension, post-extension management and credit management and supervision.