我国商业银行信贷业务的机制体制创新研究

以信贷资产和业务为主体是当前我国商业银行经营发展模式的主要特征,信贷营销、风险控制和产品创新关系到商业银行的健康发展.本文在对基层银行调研的基础之上,着重针对商业银行信贷业务中的机制体制创新问题提出几点自己的看法:建立垂直独立的风险控制体制,并将分层次的营销体系与之配套;建立和完善信贷产品的创新机制.

An Analysis on System Innovation in Credit Business of Chinese Commercial Banks

Credit assets and credit business still contribute the principal part in the current operation pattern of Chinese commercial banks, so credit marketing, risk control and credit product innovation make direct impacts on the healthy development of commercial banks. By using the investigation results aiming at primary branches, the author puts forwards some suggestions on the system innovations in commercial bank's credit business, including constructing vertical and independent risk control system, making the multi-level marketing system match the risk control system and improving credit product's innovation mechanism.