论文部分内容阅读
在目前的银行信货审批过程中,往往存在着审批条件设定不合理,审批条件落实和监管不到位等违规现象,在很大程度上影响了商业银行信货的质量和信誉。本文结合在公司部做信货业务十多年来的经验,对相关信货审批流程等进行一些探讨。本文就国内商业银行信贷审批过程中存在的问题进行概述和总结,进而提出了改善商业银行信贷水平的相关政策和意见。
In the current bank credit examination and approval process, there are often illegal approval conditions set unreasonable conditions for the implementation of the approval conditions and supervision are not in place, to a large extent affected the quality and credibility of commercial banks credit. This article combines the company’s credit business more than 10 years of experience, the relevant credit approval process for some discussion. This article summarizes and summarizes the existing problems in the credit approval process of domestic commercial banks, and then puts forward some policies and opinions on how to improve the credit level of commercial banks.