商业银行中小企业信贷决策流程优化的案例研究

Optimization on Credit Decision Process of Commercial Bank Loan to SMEs

银行信贷行为对中小企业的经营发展起到关键的影响作用。商业银行对中小企业的信贷决策一般要经过贷前审查、信贷审批和贷后管理三个主要环节。通过对某商业银行两个信贷案例的分析,可以看出,目前我国银行业对中小企业的信贷决策存在贷前审查质量不高、贷款审批周期长、贷后管理难以落实等问题。这些信贷流程上出现的问题在不同程度上影响了我国中小企业的融资,也影响了商业银行的信贷决策效率。商业银行应当充分掌握中小企业的生产和财务状况,对其担保能力进行合理评估,提高信贷审批效率,落实并完善贷后管理要求,提高对中小企业信贷支持决策的质量。

Bank credit behavior plays a very important role in the operation and management of SMEs.Credit decision process to SMEs generally comprises three steps：the pre-credit assessment,credit approval and post-credit management.Through two cases of a commercial bank,we can find some common problems in China＇s banking credit decisions for SMEs,such as incomplete information of SMEs,imperfect credit management mechanism and inefficient post-loan supervision system.These problems hinder the financing of SMEs,and also affect the efficiency of the commercial bank＇s credit decision-making.In order to improve the quality of SME credit decision-making,commercial banks should fully investigate the production and financial situation of SMEs,carry out a reasonable evaluation of the warranties,improve the efficiency of credit approval,and enhance the post-credit management.