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2013年以来,国内商业银行贷款不良率明显上升,信贷风险不断加剧。在此背景下,研究提高国内商业银行信贷审批决策水平的方法和思路,具有重大的现实意义,一方面有助于充分发挥信贷申请筛选功能,更好的管控信贷风险、收益的关系,为银行的发展提供坚实的保障;另一方面也有助于信贷资源在国民经济中的优化配置,最终促进整个社会经济的发展和稳定。本文阐述了国内商业银行在信贷审批决策过程中存在的问题,并提出科学合理的整改意见。
Since 2013, the non-performing loan ratio of domestic commercial banks has risen obviously, and the credit risk has been aggravated. Against this background, it is of great practical significance to study ways and thinking of raising the level of decision-making on credit approval of domestic commercial banks. On the one hand, it helps to give full play to the screening function of credit applications and better controls the relationship between credit risks and returns. Provide a solid guarantee for development; on the other hand, it will also help to optimize the allocation of credit resources in the national economy and eventually promote the development and stability of the entire society and economy. This article expounds the problems existing in the process of credit approval decision-making of domestic commercial banks and puts forward scientific and reasonable suggestions for rectification.