国有商业银行信贷管理质量的改进和实施步骤

近年来,我国国有商业银行的信贷管理有了较大的改进,改革了原来的一些粗放式做法,但与现代商业银行的管理要求还有一定距离.针对这一情况,本文提出了通过对商业银行信贷管理的质量进行管理,从而实现更有效的防范和控制信贷风险,降低信贷管理成本,提高信贷管理效率的思路.在此基础上,作者设计了国有商业银行信贷管理质量管理的标准、控制及其改进的具体做法,提出了要在信贷管理的全过程中倡导无缺陷管理的理念,阐述了国有商业银行全面推进信贷质量管理中信贷人员的素质是最重要的,应该通过强化信贷管理人员的理念、培训和激励来实现信贷管理质量管理的提高.

Quality Improvement on Credit Management of State-Owned Commercial Banks and Implementary Procedure

Although great improvement have been made in credit management of China's state-owned commercial banks in recent years,but there leaves much to be desired in terms of managing modern commercial banks.The present paper claims that a better credit management of commercial banks can effectively prevent and control credit risks,lower credit cost and increase effectiveness of credit management.Ac-cordingly,the author outlines standards and measures for quality control and improvement regarding credit management for state-owned commercial banks and puts forward a zero-defect principle to be adopted in the whole process of credit management.The author also makes a point of the importance of improving the quality of creditors in the credit management centers of state-owned commercial banks.High quality credit management is achievable by means of strengthening creditors'professional ethics,training and incentive measures.