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随着农发行业务的不断拓展,现行的审贷分离、分级审批的信贷审批体制已不适应经营和发展的要求。如何通过进一步完善信贷审批体制,降低信贷风险,提高办贷效率,提升农发行竞争实力,是当前和今后很长时期需要深入研究的重要课题。一、信贷审批流程再造的探索与意义(一)信贷审批流程再造的理论探索随着金融业的发展,商业银行面临的压力不断加大,西方银行家和经济学家借
With the continuous development of the Agricultural Development Bank, the existing credit approval system that separates credit grading from approval and graded approval has become unsuitable for the operation and development. How to further improve the credit examination and approval system, reduce credit risk, improve loan efficiency, and enhance the competitiveness of ADBC is an important topic that needs further study at present and for a long time in the future. I. Exploration and Significance of Credit Approval Process Reengineering (I) Theoretical Exploration of Credit Approval Process Reengineering With the development of the financial industry, the pressure on commercial banks is constantly increasing. Western bankers and economists borrow