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深入剖析跑路事件可以发现,部分银行在授信调查及风险管理方面存在授信调查不禁止、贷款资金监控和贷后检查流于形式等问题。针对这些问题,监管机构应引领银行业积极开展自查自纠,同业沟通交流,并以组织培训等方式,帮助银行逐步完善信贷管理机制,规范信贷业务操作流程,提高信贷管理精细化水平,确保金融资产安全。
In-depth analysis of runway incidents can be found that some banks in the credit investigation and risk management there is credit investigation not prohibited, loan funds monitoring and post-mortem examination flow in the form of other issues. In response to these problems, regulators should lead the banking industry to actively carry out self-examination and self-correction, exchange and exchange of information with other banks, and help banks to gradually improve their credit management mechanisms, standardize the operational procedures for credit business, raise the level of credit management, and ensure Financial assets security.