摘要
本文从跟踪1998-2009年各商业银行实行风险垂直管理和集中审批贷款情况入手,对集中审批贷款的制度安排及流程设计的合理性、可行性作了深层次分析,揭示了集中审批贷款模式存在理论与实践脱节的缺失,并就弥补该缺失提出了一系列具有实践价值的对策。
This article, through scouting the state of affairs between 1998 and 2009 that the commercial banks implemented vertical management of risk control and centralized approval loans, made a in-depth analysis of institutional arrangements, reasonable and feasible of process design on centralized approval loans, revealed the shortcomings of centralized approval loans which shows in theory and practice are separated, and proposed some practical valuable measures to compensate for the shortcomings.
出处
《上海金融学院学报》
2010年第1期42-46,共5页
Journal of Shanhai Finance University
关键词
商业银行
集中审批贷款模式
缺失与对策
commercial bank
centralized approval loans model
shortcomings and solutions
