银行信贷运行的系统论分析

国内商业银行不良贷款出现的原因在于信贷运行过程中存在的问题。从系统论角度分析,国内商业银行的信贷运行存在着缺乏强有力的指挥中枢、缺乏标准的信贷管理语言和有效的信息沟通、信贷管理信息系统建设落后、信贷业务流程繁琐等问题。建议采取强化信贷政策委员会的作用、建立和完善信贷风险评估模型、完善信贷管理信息系统、优化信贷业务审批流程、采用指标体系监测信贷运行状况等措施。

Analysyis on System Theory of Credit Management opweration

One of the factors leading to the emergence of NPL is the defective credit operation.Based on System Theory,the domestic commercial banks are short on a strong control center,standardized credit management language and efficient information exchange while they are laden with less advanced credit management information system and an inefficient credit procedure.The author advises to adopt the measures as follows: strengthening the functions of Credit Policy Committee,establishing and improving credit risk rating system,enhancing the credit management information system,optimizing credit review procedure and launching an index system to monitor the credit operation.