基于我国四大国有控股银行比较优势的信贷经营模式建构

我国四大国有控股商业银行当前的信贷模式主要借鉴美国商业银行的做法，以客户信用评级为切入点，实行单个分支机构对单个客户的经营。它对四大行来讲，实际上是扬短避长。四大行应当立足现代市场特点，充分利用机构网点和客户多的优势，重构信贷模式，才能实现信贷业务的又好又快发展。

The Credit Management Model Construction Based on the Four Big State owned Share Holding Bank Comparison Advantage

The the four big state owned share holding bank current credit mode mainly draws lessons from the American commercial bank, with customer the reputation rating for correspond the point, practice the management of a branch organization to a customer.It speaks to the four major line, is a 扬 actually short avoid long.Four the big lines should have a foothold modem market characteristics, make use of the organization net to order well and advantage that customer have another, and constructing the credit mode, then can carry out to believe the loan business of again good again quickly develop.