商业银行对借款企业的事前调查机制研究

Study on Commercial Banks' Pre-incident Survey Mechanism for Corporate Borrowers

从商业银行对借款企业的事前调查机制入手,分析当前金融体系下国内外商业银行事前调查机制现状以及国外事前调查机制操作中的先进管理经验,在此基础上指出我国商业银行对借款企业的事前调查机制中存在的主要问题:事前调查机制不健全、单一管理模式下银行专业型人才匮乏、信用评级和风险分析水平较低、事前调查机制缺乏有力的文化环境支持。这些问题的存在既有宏观环境因素,也有银行自身的因素。为此,必须营造良好的宏观环境,加强商业银行内部管理,完善信贷管理制度,提高商业银行事前风险识别能力。

Commencing from commercial banks＇ pre-incident survey mechanism for corporale borrowers, an analy- sis is made on the status quo of commercial banks＇ pre-incident survey mechanism in China and abroad in the con- text of the current domestic and international financial system, also on foreign advanced management experiences in pre-incident survey mechanism operation. Then, the paper points out the main problems existing in our commercial banks＇ pre-incident survey mechanism for corporate borrowers： imperfect pre-incident survey mechanisnl, scarce banking professional personnel under a single management model, lower credit ratings and risk analysis level, lack of a strong cultural environment support for the pre-incident survey mechanism. The causes for these problems not only are macro-environmental factors, but also the banks＇ own factors. Therefore, we must create a favorable macroeconomic environment, strengthen the commercial banks＇ internal management, improve credit nmnagement sys- tem, and raise commercial banks＇ ability in identifying the risks befi^rehand.