企业文化与城市商业银行信用风险管理创新

Corporate Culture and Urban Commercial BanksCredit Risk Management Innovation

以质性方法对中小城市商业银行行为进行研究,可以发现企业文化对银行自身业务尤其是风险管理层面的影响巨大。良好的企业文化有助于信用风险进行有效管理和防范,而有缺陷的企业文化所产生的结果将从多个层面影响银行的稳健运行,尤其是对信用风险管理影响最为直接,甚至会导致银行的经营出现重大隐患。建立和培育良好的企业文化,可以有效助力银行的各项业务,尤其是化解信用风险,这是未来风险管理突破的方向。

This paper mainly discusses the impact of bank corporate culture on bank’s own business, especially on risk management level. It emphasizes that good corporate culture is helpful to the credit risk prevention of small and medium-sized city commercial banks, and the results of defective corporate culture will affect the healthy and stable operation of banks from many aspects, especially on risk management level. The most direct impact on credit risk management will even lead to major hidden dangers in the operation of banks. Therefore, the establishment and cultivation of a good corporate culture can effectively help the bank’s business, especially credit risk management.