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随着社会主义市场经济体制和确立和发展,商业银行如何适应瞬息万变的市场变化,驾驶信贷管理,整经营策略,构建新型的贷款风险防范体系,具有重要的现实意义。对此,笔者有以下浅见。1、完善信贷运作机制。信贷工作由于涉及面广,政策性强,因而必须有严格的操作程序来规范信贷行为,以保证信贷资产的安全和流动。建立和完善内部管理办法,制定科学的贷款操作程序,应依据各类贷款在操作中不同的实际情况,有针对性地对贷前、贷时、贷后三大环节的要求进行细化,并相应在制订信贷管理工作的每一环节,每一步骤的质量标准和管理要求。在三大环节的分工上,既要做到责任明确,又要做到相互协作,以强化信息反馈制度的正常化,使
With the socialist market economic system and its establishment and development, it is of great practical significance for commercial banks to adapt to the rapidly changing market, driving credit management and the entire operation strategy and building a new type of loan risk prevention system. In this regard, I have the following humble opinion. 1, improve the credit operation mechanism. Due to the extensive coverage and strong policies, the credit work must have strict operating procedures to regulate the credit behavior so as to ensure the safety and flow of credit assets. Establishing and perfecting internal management measures and formulating scientific loan procedures should be based on the actual situation of various types of loans in operation, and the requirements of the three major areas of loan pre-lending and post-lending should be refined in a targeted manner Corresponding in every aspect of credit management work, quality standards and management requirements of each step. In the division of labor among the three major links, it is necessary to achieve a clear responsibility and work together with each other so as to strengthen the normalization of the information feedback system so that