论文部分内容阅读
专业银行向商业银行的转化首先是思想意识和管理体制的转化。近几年我行在信贷工作中,紧紧围绕提高信贷资产质量这个中心,在强化风险意识的同时,探索改革旧的信贷管理体制,实行了审贷分离和统一授信,为防范信贷资产风险提供了制度保证,在信贷实践中取得了良好效果。一、实行审贷分离和集体决策,建立内部制约监督机制改革前,我行与其他兄弟行一样,设外汇信贷科和外贸信贷科经营贷款业务。随着专业银行向商业银行的转化,我们深深地感到,这种计划经济条件下形成的信贷管理体制难以
The transformation of specialized banks to commercial banks is first of all the transformation of ideology and management system. In recent years, in line with the credit work, ICBC has been focusing on improving the quality of credit assets. While strengthening the awareness of risk, the Bank explored the reform of the old credit management system and implemented the separation of credit and approval procedures and the unified credit granting to prevent the risk of credit assets The system of guarantee, in the credit practice has achieved good results. I. Implementation of separation of auditing and lending and collective decision-making and establishment of internal control and supervision mechanism Before the reform, the Bank, like other fraternal firms, set up a lending business for the foreign exchange credit department and the foreign trade credit branch. With the transformation of specialized banks to commercial banks, we deeply feel that the credit management system formed under this planned economy is difficult