我国商业银行信贷管理问题与对策

Problems and Strategies of Credit Management of Chinese Commercial Banks

我国商业银行在信贷管理手段、体制、控制制度等诸多方面与外资银行有较大差异。管理权限过度集中,没有明确的贷款风险责任制,致使国内商业银行尚未有效建立以风险防范为核心的信贷长效机制,存在的不良贷款还没有完全化解,新增风险不断出现。应建全约束与激励相统一的信贷考核机制和综合信用评级制度;改进商业银行信贷管理体制,增加基层行信贷权限;完善信贷风险防范机制,实行严格的责任追究制度,保证商业银行更好地发挥其应有的作用。

There are great differences between Chinese commercial banks and foreign banks in credit management method, system and control system, etc. which cause that Chinese commercial banks cannot build long-term credit mechanism focusing on risk prevention, large bad loans cannot be solved, and new risks appear frequently. Hence, we should establish credit evaluation mechanism and comprehensive credit rating system combining constraint and encouragement, improve credit management system of commercial banks and prevention mechanism of credit risk, increase credit authority of grassroots banks, and take strict system of accountability to guarantee the role of commercial banks.