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当前,银行信贷风险管理向着整体结构规划、系统风险防控以及流程效能提升的有机统一目标进行转变,手段和措施向不断增强系统化控制以及全方位、全过程的动态化管理发展,而对信贷审批操作风险也应当从理念这个源头入手,通过强化和完善学习、管理、沟通、服务等措施,从不同角度努力加以防控。目前银行信贷审批流程包括了业务受理、合规审查、审批会议、审批决策以及批复下发等环节。
At present, the Bank’s credit risk management system has been transformed into an organic unified target of overall structural planning, systematic risk prevention and control, and process efficiency improvement. Measures and measures have been continuously strengthened to systematize control and all-round and dynamic management of the whole process, The approval of operational risk should also start from the source of the concept and strive to prevent and control it from different angles by strengthening and improving the measures of study, management, communication and service. At present, the bank credit approval process includes business acceptance, compliance review, approval meeting, examination and approval decision, and approval.