加强国有商业银行基层行信贷过程的风险掌控

To Enhance Credit Risk Control in Branches of State Commercial Banks

商业银行经营的基石就在于控制风险,提高信贷资产的质量和效益,增强自身的经营能力和市场竞争力。当前国有商业银行改制进程中,总行主要从宏观层面入手,进行产权及内部治理结构改革,降低过于追求规模扩张而带来的风险,因此,基层分支行应把精力集中于风险管理,特别是微观的、具体的贷款过程的风险掌控,避免贷款过程的风险丛生。正是基于上述考虑,本文从目前基层行信贷管理实践的角度,按照贷前、贷中、贷后业务流程,思考贷款过程的风险失控缺陷,并提出增强风险掌控的若干举措,对贷款的贷前调查、贷时审查和贷后检查全过程进行精细化风险控制。

The fundamental task for Commercial banks is to control risks, enhance credit services and improve their competitiveness. In the process of banking reform, People＇s bank executes macrocontrol over reform of property rights and innovation of intemal governing structure, aiming to reduce the risks caused by business expansion. Therefore, branches should focus on risk management, especially risk control in detailed loan granting process. The paper, from the angle of credit management practice of branches, analyzes the risks confronting bank branches and puts forward countermeasures.