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在日趋激烈的市场竞争中,现有的国有商业银行的信贷管理模式的许多问题开始显现,国有商业银行对信贷管理模式进行创新,不断提高,才能适应市场对信贷业务的需求。增强控制和防范信贷管理风险的能力非常重要,信贷管理模式需要在创新中不断完善。国有商业银行信贷模式的创新是为了增强其控制和防范信贷风险的能力,并不断完善现有制度。信贷业务是国有商业银行的主要经营业务之一,也是重要的收益来源,银行间信贷业务的竞争也越来越激烈,本文分析了国有商业银行信贷管理现存的问题,并提供了创新建议。
In the increasingly fierce market competition, many problems existing in the credit management mode of the state-owned commercial banks have begun to emerge. Only when state-owned commercial banks innovate and improve their credit management modes can they meet the market demand for credit business. The ability to enhance control and prevent credit risk management is important and the credit management model needs to be continuously improved in innovation. The innovation of the credit model of state-owned commercial banks is to strengthen their ability to control and prevent credit risks and to constantly improve the existing system. Credit business is one of the main business activities of state-owned commercial banks and also an important source of revenue. The competition in inter-bank credit business is also becoming more and more fierce. This paper analyzes the existing problems of credit management in state-owned commercial banks and provides some innovative suggestions.