| 企业授信方案在银行信贷结构调整中的应用 |
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| 引用本文： | 唐小梅,李成青.企业授信方案在银行信贷结构调整中的应用[J].金融论坛,2010(8). |
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| 作者姓名： | 唐小梅 李成青 |
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| 作者单位： | 中国建设银行广东省分行;兰州大学工商管理学院;中国工商银行广东省分行; |
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| 摘 要： | 授信方案管理是授信额度管理的发展和深化,其不仅能有效防范企业的信贷风险,更能在银行信贷结构调整中发挥重要作用,主要体现在如下方面:变事后调整为事前控制,化被动调整为主动调整,化刚性调控为柔性策略,变额度管理为方案服务,实现信贷资产的流动性管理。文章结合不同企业的案例,提出了建立授信方案的相关建议:树立为防范风险和增加收益服务的理念;建立客户经理团队和风险经理团队共同参与的贷前平行作业机制;建立预警与反应机制,提高对客户风险的敏感性;加强授信方案的执行力度及检查工作。
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| 关 键 词： | 商业银行 授信管理 授信方案 信贷结构 结构调整 |
The Application of Enterprise Credit Granting Program in the Structural Adjustment of Bank's Credit |
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| TANG Xiao-mei Li Cheng-qing.The Application of Enterprise Credit Granting Program in the Structural Adjustment of Bank's Credit[J].Finance Forum,2010(8). |
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| Authors: | TANG Xiao-mei Li Cheng-qing |
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| Institution: | TANG Xiao-mei Li Cheng-qing |
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| Abstract: | The management of credit granting program is the development and deepening of the management of credit granting amount.It can not only effectively prevent enterprise's credit risk,but also,in the structural adjustment of bank's credit,play an important role mainly in the following:to change the adjustment after the event for the adjustment before the event,the passive adjustment for the active adjustment,the rigid regulation for the flexible strategies,the amount management for the program services and to r... |
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| Keywords: | commercial bank credit granting manage credit granting program credit structure structural adjustment |
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