摘要
信贷业务是商业银行最繁琐的业务,管理、监管难度大,用传统的管理模式,已难以适应日益庞大的数据量,只能抓大放小。基层商业银行是信贷风险的直接面对者,信贷管理水平和监管工作得力与否直接关系到银行的生存与发展。本文从基础概念入手,着重论述基层信贷风险控制的重要性,并就现在存在的问题,提出了相应的对策。
The credit operation is the mo st misellaneous with most trifles business of business bank.it is difficult to m anage and supervise.Taking traditional management mode has difficulty to meet th e huge datum quantity day by day.so commercial bank should only invigorate large managenment while relaxing controling over concrete business.The basic business banks face the credit disk directly,whose level of credit risk management and s upervisementare capable to concern the existence and developments of bank.This t ext proceeds with basic concept,emphatically describes the importance of the cre dit risk at the basic level controls and puts for-ward the corresponding counte rmeasures depending on the question that exists now
出处
《价值工程》
2004年第2期104-108,共5页
Value Engineering
