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审贷分离制度是规范商业银行内部信贷业务运行机制、保障信贷资产质量与安全的一项基本制度。审贷分离制度对国内银行防范道德风险起到了积极作用,但是,因其本身及人为操作因素使得该制度在执行中大打折扣。本文在对银行特别是农信社存在此类问题深入分析的基础上,提出了完善审贷分离制度的建议。
The separation of the loan from the review and approval system is a basic system that regulates the operation mechanism of credit business inside commercial banks and guarantees the quality and safety of credit assets. The system of separation of creditors and borrowers has played a positive role in preventing moral hazard in domestic banks. However, the system has been greatly reduced in implementation due to its own and man-made operational factors. On the basis of an in-depth analysis of such problems of banks, especially RCCs, this paper puts forward suggestions on how to improve the separation of the loan from the lawsuit.