信贷结构优化与提升商业银行信贷能力探析

Analysis on Optimizing Credit Structure and Upgrading Commercial Bank Credit Capacity

目前的信贷政策主基调是要求商业银行"均衡放贷"、"有扶有控",着力优化信贷结构,切实防范信贷风险和系统性金融风险。这些政策要求,促使商业银行努力提升自身灵活的信贷决策能力、过硬的信贷营销能力及有效的信贷风险防控能力。

The main tone of the current credit policy requires commercial banks keeping＂loan-extending balance＂,＂supporting some,controlling others＂,makes great efforts to optimize credit structure,effectively prevent credit risks and systemic financial risks.These requirements urge commercial banks to make efforts to enhance abilities on flexible credit decision-making,excellent credit marketing and effective credit risk control.