创新国有商业银行信贷管理

Innovative national commercial bank loaning management

国有商业银行近年来更加突出的信贷集中隐藏着危险,实证研究表明,国有商业银行大额信贷风险高,长期效益低,并且容易导致银行内外勾结诈骗贷款。小额信贷不仅为银行带来丰厚的利润,而且促进中小企业发展和社会和谐。国有商业银行的信贷管理,应变大额集中投放为小额分散投放,变集体审批无人负责为个人审批个人负责,并且设置适当的个人审批贷款的最大累计余额和个人借款的最大累计余额。

In recent years, state-owned commercial banks become more prominent on credit concentrated, which hides danger. Facts tell us that Large amounts of the credit of the state - owned commercial banks, which can easily lead to loan fraud, have high credit risk and low long term benefits. Micro credits not only bring huge profits for banks, but also develop SMEs and social hanmony. The credit management of the state- owned commercial banks should change from large amount invested on cenlralized to small amount on decentralized, from collective approving with no one responsible to personal approval with personal responsibility, and with restrictions on the accumulated balance of personal loan approved and personal loans.