统一授信:控制银行信贷风险的现实选择

Awarding Credit Conformably:the Realistic Choice of the Control of Bank Credit Risk

银行信贷资产质量低下、信贷风险高是我国当前金融经济运行中面临的主要问题。实施统一授信是控制信贷风险的重要手段。实施统一授信必须坚持 :授信主体统一 ,授信职能部门统一 ,授信对象评价标准统一 ,授信品种管理统一 ,客户实有授信与或有负债统一 ,授信额度与授信担保条件统一 ,总量控制与动态监控统一。

The low quality of bank credit assets and high credit risk is the main problem in the circulation of financial economy in China. Awarding credit conformably is an important method to control credit risk. In order to award credit conformably, authority should be conformable, department should be conformable, appraisal standard should be conformable, credit category management should be conformable, actual credit and contingent liability of client should be conformable, credit line and surety condition should be conformable, gross control and dynamic supervision should be conformable.