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银行是经营风险的特殊行业。目前,我国国有商业银行信贷经营粗放、管理水平低下,软件建设薄弱,信贷管理体制、经营机制、人员素质都与信贷商业银行发展的要求存在着一定的差距;同时信贷资产规模和信贷收入水平如何,直接决定着国有商业银行的规模和效益。因此,本文对如何加强国有商业银行的信贷能力建设提出几点建议.
Bank is a special business risk management. At present, the credit management of our state-owned commercial banks is extensive, the management level is low, and the software construction is weak. There is a certain gap between the credit management system, operation mechanism and personnel qualities and the requirements of the development of credit commercial banks. At the same time, the scale of credit assets and the level of credit revenue , Directly determines the size and effectiveness of state-owned commercial banks. Therefore, this article gives some suggestions on how to strengthen the credit capacity of state-owned commercial banks.