加强中台体系建设 推动信贷结构优化——关于当前工商银行信贷工作的几点思考

Reflections on ICBC's Current Credit Business

在当前"调结构、促增长"的宏观经济主基调下,加大信贷结构调整,优化信贷资源配置,对商业银行而言十分重要。本文从当前国内外的宏观形势出发,客观分析了工商银行信贷工作面临的三项主要任务——调整信贷结构、提高竞争能力和控制潜在风险;并分别从履行授信审批的职能、完善授信审批垂直集中管理、加强专职审议队伍建设、推广电子化审批、授信审批后评价和重点监测项目的跟踪督办、正确处理前中后台的关系等六个方面,探讨了加强中台体系建设的渠道及其对信贷工作的重要意义;作者还结合工行信贷工作的实际情况,提出了当前授信审批工作中需要重点关注和探讨的若干问题,具有很强的启发性和重要的指导意义。

Under the current macro-economic circumstance, it is quite important for commercial banks to strengthen credit structural adjustment and improve credit resources allocation.This essay gave an objective analysis on ICBC's three current major tasks:to adjust credit structure, to improve competitiveness and to control potential risks.Based on business practice, the essay also put forward several issues which needs to be focused on and explored in current credit approval operation.