对改善股份制商业银行信贷管理的探讨

To Discuss on Improving the Credit Management in Share Commercial Banks

随着美国金融危机的蔓延,国内外经济形势发生巨大变化。在当前形势下,商业银行必须严把信贷质量关,加强对信贷风险的管理,保证信贷资产业务的健康发展。文中分析了股份制商业银行信贷员队伍及信贷管理中存在的一些问题,并在此基础上提出了改善股份制商业银行信贷管理的一些对策。

With the extension of American finance crisis, great changes in economic situation have taken place. At present, commercial banks with shareholding system must be strict in credit, improve the management of credit risks so as to ensure credit asset to develop healthily. The article interprets some disadvantage among credit personnel and credit management in share commercial banks and points out how to improve quality of the credit personnel .Furthermore, it puts forward some useful suggestion in share commercial banks.