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由于集团公司资本化运作的需要,内部银行作为集团公司资金的主要管理部门,其主要职能在逐渐发生着变化,由原来的集中资金、调剂资金向发展信贷业务,进行资本化运作迈进。而内部银行作为非专业金融机构,其信贷风险管理工作相对薄弱。笔者就内部银行信贷风险控制目标效用、控制质量状况、控制深度等方面入手,从信贷体制改革、风险控制、贷款审批质量、风险管理部门职能建设、内控制度建设、培育健康的信贷文化几个方面进行了初步探讨。
Due to the capitalization operation of group companies, as the main management department of group company funds, internal banks are undergoing major changes in their functions. From the centralized capital and liquidity adjustment, the internal banks have made progress toward the development of credit business and capitalization. The internal bank as a non-professional financial institutions, credit risk management is relatively weak. From the aspects of credit system reform, risk control, quality of loan approval, function construction of risk management department, construction of internal control system and fostering a healthy credit culture, the author starts from the aspects of target utility, quality control and depth of control of credit risk control of internal bank. Conducted a preliminary discussion.