新形势下商业银行授信评审与内部评级的分工与协同

Division of Labor and Coordination of Credit Review And Internal Rating in Commercial Banks under the New Situation

风险管理能力与业务发展能力建设是银行可持续发展的两大支柱。重视业务发展能力建设,轻视风险管理能力建设,是商业银行在业务快速扩张,“跑马圈地”过程中极易踏上一条“华容道”。

Risk management capabilities and business development capacity building are the two pillars of sustainable banking development.Under the current situation of interest rate liberalization and internet financialization, it is difficult to achieve the strategic goal of sustainable and steady development of commercial banks without the risk management capability that matches the ability of business development in the face of increased financial environment with increased competition and increased risks.