论ISO9000在银行信贷风险管理中的作用

The Role of ISO9000 in the Bank’s Credit Risk Control

ISO9000体系在银行信贷风险管理中的作用表现在:建立文件化的管理体系和内部审核的监督机制,明确相关岗位的职责,强化“关注客户和客户满意度”的信贷经营理念,促进信贷人员的人力资源配置,完善风险防范措施,强化风险控制的操作性和体系的整合功能,建立信息数据系统和统计分析系统,建立纠正和预防措施程序,有利于信贷管理的持续改进。

The role of ISO9000in the bank’s credit risk control for the benefit of sustainable im-provement of the credit management is represented as:establishing documentary managerial system and the supervision mechanism of internal check;specifying the duties of the related posts;strengthening the credit managerial perspective of“keeping in mind the customers and their needs”;facilitating man power allocation of the credit staff members;undertaking risk prevention measures;strengthening the maneuverability of risk control and integrative function of the system;setting up information and data system and statistical analysis system,arranging for the measures and procedures for rectification and prevention.