成功的银行管理与有效的政府支持

Small Business Lending of American Banks Review

美国银行的管理方法和技术手段被公认为世界银行业的主流发展方向,其中小企业信贷业务的经验值得我们借鉴。本文从政府在银行业务中的功能,银行内部信贷管理中的组织安排和人员激励机制、信用评估技术和风险管理手段等方面介绍了美国银行中小企业信贷业务的实践经验,分析了我国银行从中能受到的启发并提出了相关建议。

The management and skills of American banks is accepted as the mainstream throughout the world. The author discusses the functions of the government in small business lending, the assignment of organization, personnel incentive mechanism, credit evaluation and risk management in U.S. banks, thus analyzes what Chinese banks could learn from, and provides some related suggestions.