供给侧改革背景下培育优质高效信贷市场的探析

An Analysis on Cultivating High-quality and Efficient Credit Market under the Background of Supply-side Reform

随着供给侧结构性改革的持续推进,商业银行信贷资产质量面临着前所未有的严峻挑战和考验,培育优质高效信贷市场迫在眉睫。本文从分析供给侧改革背景下培育优质高效信贷市场的难点入手,提出商业银行培育优质高效信贷市场的路径及完善信贷准入退出、科学奖惩、风险预警机制、优化客户管理、加强信贷队伍建设等措施,以确保信贷经营转型落到实处。

With the continuous promotion of supply-side structural reform, the quality of credit assets of commercial banks is facing unprecedented severe challenges and tests, and it is urgent to cultivate high-quality and efficient credit market. Based on the analysis of the difficulties of cultivating the high-quality and high-efficiency credit market under the background of supply-side reform, this paper puts forward the ways for commercial banks to cultivate the high-quality and high-efficiency credit market and improve the measures of credit access and withdrawal, scientific rewards and punishments, risk warning mechanism, optimizing customer management and strengthening the construction of credit team in order to ensure the transformation of credit management into reality.