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风险管理是商业银行经营管理的核心,先进的信贷风险文化是成功管理信贷风险的基础。目前工商银行正处于风险管理革命与产权革命并存的关键时期,提升工商银行的核心竞争力,构建有效兼顾业务发展与风险控制的先进信贷风险文化显得尤为重要。本文运用现代管理学和金融工程学理论,从打造工商银行核心竞争力的现实要求出发,借鉴国内外银行经验,结合工商银行信贷经营实践,阐述了信贷文化与风险管理的辩证关系,并从精神、制度、行为和物质等四个层面勾画了构建工商银行先进信贷风险文化的路线图。
Risk management is the core of commercial bank management. Advanced credit risk culture is the foundation for the successful management of credit risk. At present, ICBC is in the critical period of coexistence of the risk management revolution and the property rights reform. It is especially important to enhance the core competitiveness of ICBC and build an advanced credit risk culture that effectively balances business development with risk control. Based on the practical requirements of building ICBC’s core competitiveness, this paper draws lessons from the experience of domestic and foreign banks, combined with the practice of ICBC’s credit management, expounds the dialectical relationship between credit culture and risk management. From the perspective of spirit , System, behavior and material four levels outlined the construction of ICBC advanced credit risk culture road map.