商业银行公司授信管理比较研究

A Study on Company Credit Management of Commercial Banks

商业银行公司授信管理制度各具特色。在对商业银行公司授信管理历史演变梳理的基础上,从组织架构、业务流程、信贷审批、授权管理等四个方面进行比较研究,结论为目前商业银行公司授信管理存在三大趋势,包括部门的数量从少到多、分工更加细化,从总分行制、事业部制到矩阵式,从行政审批到专家审批。

Company credit management of different commercial banks have their own characters.This paper compares and studies the evolution of various commercial banks' company credit management systems from four aspects-organizational structure,business procedures,credit check and authorization management.As a result,it finds out three trends: firstly,credit departments is increasing and specializing;secondly,the organization structure is reforming from a Central & Branch System and Business Department System into a Matrix System;thirdly,the power of approval is moving from the hand of administrators to that of experts.