信贷经营形势与中国工商银行信贷经营策略

信贷业务在当前和今后一段时期内仍将是我国商业银行的核心业务和主要利润来源,而当前宏观、微观等诸多方面的变化使得银行的信贷经营面临着严峻的挑战.本文从分析江苏分行的信贷经营现状与矛盾问题入手,重点剖析了问题成因和经营形势,然后在对国外银行信贷经营经验进行借鉴的基础上,针对江苏分行的实际情况,提出了制定信贷战略规划、提升信贷经营理念、健全信贷政策体系、开展品牌建设与营销、实行全过程风险管理、积极开展信贷创新六个方面的对策建议.

The Situation of Credit Business and ICBC's Operation Strategy on Credit Business

Credit business will still be the core business and main profit resource of Chinese commercial banks in the long run. However, various changes from both macro and micro levels make commercial banks' credit business face severe challenges. Beginning with the analysis of credit business's operation status and problems faled by Jiangsu Branch of ICBC, this paper focuses on scrutinizing the operating situation and the causes of those problems. By drawing on the experience of foreign banks' credit business and combing the status of Jiangsu Branch, the paper puts forward six counter-measures: formulating credit strategy program, improving credit management idea, perfecting credit policy system, promoting brand construction and marketing, fulfilling whole-process risk management and actively developing credit innovation.