摘要
中小企业内在特征和大银行授信流程是中小企业贷款难的肇因。关于银行组织架构与运营效率的基础模型揭示出:贷款审批层级数量、审批人员贷前审批努力程度、信贷回收人员贷后管理努力程度和多层次审批结构下的组织运行成本会对银行利润产生较大影响。在我国,双层结构是中小企业信贷业务的最佳审批结构,而由市场拓展部与信贷审批部组成第一层结构和"上层审贷会"组成第二层结构,是大银行实现双层信贷审批结构的可行办法。
A pervasive problem concerning the financial difficulty that SMEs are facing is caused by the internal features of SMEs and the process of loan examination and approval from big banks. The basic model of the structures of commercial banks and their operating efficiency shows that the profit of banks is influenced greatly by factors including the layers of the loan examination and approval, the working efficiency before the loan examination and approval, the managemem efficiency of the credit collecting and the cost of operating with multi-layered＇loan examination and approval. In China, the double-layered organization is the most efficient structure for SMEs and a practical way for big banks to realize the double-layered credit examination and approval involves two layers. The first one is formed with social developing department and credit examination and approval department and the second one is the upper beard of examination and approval.
出处
《昆明学院学报》
2012年第4期50-58,共9页
Journal of Kunming University
关键词
中小企业
银行信贷
贷款审批
审批结构
单层结构
双层结构
small-medium enterprises
bank credit
loan examination and approval
examination and approval structure
single-layered organization
double-layered organization
