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随着社会主义市场经济体制的逐步建立和国有商业银行改革的深入,商业银行信贷经营面临着许多新情况和新问题,亟待各级金融部门研究解决。加入 WTO以后,国内金融体系、规则、制度及运行环境将发生根本性的变化,面对不断演进的经济金融形势,农业银行必须加快信贷经营机制的适应性变革和调整,以构建一个面向市场的、符合现代商业银行发展趋向的经营管理体系,从根本上提高内控能力、发展能力和竞争能力。一、信贷经营面临的主要难题(一)认识上的误区。在基层农行经常谈论着这样一个话题,赚100万元的净利润,需要对1亿
With the gradual establishment of the socialist market economic system and the deepening of the reform of the state-owned commercial banks, commercial banks are faced with many new situations and problems in their credit management and are urgently required to study and solve the financial sector at all levels. After China’s accession to the WTO, the domestic financial system, rules, systems and operating environment will undergo a fundamental change. In the face of the evolving economic and financial situation, ABC must speed up the adaptable changes and adjustments in the credit operation mechanism in order to build a market-oriented , In line with the development trend of modern commercial banks management system, fundamentally improve the internal control ability, development ability and competitiveness. First, the main problems facing credit management (A) understanding of the errors. ABC at the grassroots level is often talking about such a topic, making a net profit of 100 million, the need for 100 million