工商银行信贷竞争力提升研究

The Improvement of ICBC's Competence on the Credit Business

信贷竞争力是衡量商业银行经营管理水平的核心内容之一,主要表现为在有效控制风险前提下的市场拓展能力。我国国有商业银行的信贷经营无论是在盈利能力、资产质量等显性竞争力指标方面,还是在组织流程、营销能力、风险控制等隐性竞争力指标方面,与国内其他股份制商业银行或国外商业银行相比仍有一定差距。据此,本课题提出我国国有商业银行应以科学发展观正确认识信贷竞争力现状,准确理解信贷竞争力的特质,科学把握信贷竞争力的基本点;将宏观与微观相结合,探索从信贷战略管理、市场营销、组织流程、风险管理、服务创新、文化建设等6个方面提升信贷竞争力的具体途径。

The competence on the credit business is one of key criteria to evaluate commercial bank＇s operation and management, which is mainly reflected in the market expansion capability with an effective risk control. There are obvious disparities in the credit operation level between domestic state-owned commercial banks and other shareholding commercial banks or foreign funded banks, from both visible competence indicators, such as profitability and asset quality, and invisible competence indicators, such as organization processing, marketing capability and risk control. Therefore, this study proposes that Chinese state-owned commercial banks should deepen their perception on the status of their credit business competence on the basis of the scientific development view, correctly understand the features of credit business competence and grasp its key points. Moreover, by combing the macro- and mi- cro -conditions, state-owned commercial banks can explore feasible approaches to enhance their credit business competence from the following aspects： credit strategy management, marketing, organization processing, risk control, service innovation and enterprise culture construction.