个人贷款业务变异:表现、危害及治理

Variation of Individual Loan: Feature,Harm & How to Govern it

随着商业银行个人贷款业务的快速发展,其在功能、性质和管理等方面均发生了不同程度的变异,特别是在当前信贷紧缩的总体形势下,仍被各家银行作为发展重点的个人贷款业务,更容易成为各类资金紧张企业变相追逐的热点,潜在风险值得高度关注。因此,必须采取积极措施加以应对,如严把业务操作环节,加强全过程风险控制;深入推行精细化管理,有效遏制个人贷款变异;进一步强化个人贷款业务风险监管等。

With the rapid development of individual loan business for commercial banks, great changes have aken place in its function, nature and management, etc. particularly, at present, with so tightened credit loan policies, it has still been regarded as a key development business by various banks, which is vulnerable to be a hot point chased by sorts of firms with tense fund demand, and the likely risk needs to be highly mentioned. Therefore, active measures should be taken for this trend, for instance, remaining control over the operational procedure to strengthen overall risk control; implementing streamlined management to curb effectively individual loan variation; further intensifying risk monitoring and supervision of individual loan, etc.