浅议商业银行信贷风险监管中存在的问题及对策

Discussion on the Existing Problems and Countermeasures in Credit Risk Supervision of Commercial Banks

对商业银行国目前信贷风险管理中存在的问题进行探讨,分析了信贷风险监管及数据的时效性,贷款潜在的风险类型.其存在的问题有:贷款调查潜在风险的预警性不强、审批的指导与制约性不强、贷后管理缺乏监控的有效手段、信贷风险监管基础工作薄弱、信贷业务部门之间缺乏有机协调和沟通.对完善信贷风险管理工作提出了几点建议,必须严格落实信贷风险监管工作,在信贷风险管理工作中要做到准确认定信贷资产质量形态,落实"质量监督员"责任制,按"期限"法进行资产质量考核,建立信贷经营、审批、监管三部门定期例会制度,实现风险监管关口前移,增强风险管理工作的独立性.参6.

Credit risk management in China＇s current problems were discussed,analyzed credit risk control and timeliness of data,the risk of potential types of loans.Can be seen,loan risk early alarming of potential investigation is not strong,the guidance and constraints of approval is not strong,post-loan management lacks effective means of monitoring the credit risk based on the work of weak supervision,lack of credit business of organic co-ordination and communication.Work on improving credit risk management made several recommendations,must be strictly monitoring the implementation of credit risk,credit risk management work to be done to determine precisely the quality of credit assets shape and implement ＂quality inspector＂ responsibility system,in accordance with the ＂Term＂ Law asset quality assessment,the establishment of credit management,approval,monitoring the three departments on a regular basis regular system of risk control before problems occur,and enhance the independence of risk management.6refs.