摘要
授信和贷款是商业银行最主要的决策内容,而信贷决策流程在很大程度上决定了决策质量,决策质量又决定了商业银行的经营效果。2009年以来,寿光农村商业银行通过引入联合评级,使风险管理贯穿于整个信贷决策进程,实现了信贷决策流程的再造,取得了较好的效果。
Credit and loans are the major decision objects of commercial banks.To a great extent,the credit decision-making process determines the quality of decisions which determines the management performance of commercial banks.Shouguang Rural Commercial Bank has re-engineered the credit decision-making process since 2009.The bank introduced joint rating system and implements risk management throughout credit decision-making process,which has benefited the bank remarkably.
出处
《金融发展研究》
2010年第9期43-47,共5页
Journal Of Financial Development Research
关键词
联合评级
风险管理
信贷决策
流程再造
joint rating
risk management
credit decision
process reengineering
