信贷审批制度与不良贷款续扩的实验研究

发布时间：2018-02-03 08:02

本文关键词： 不良贷款不良贷款续扩信贷信贷审批制度　出处：《金融论坛》2012年07期 　论文类型：期刊论文

【摘要】：本文从不良贷款续扩视角探讨中国不良贷款的成因,尤其是信贷审批制度与不良贷款的关系。结合中国信贷业务的实际情形,通过关于审批制度的情景实验,发现由于对贷款项目的认知和所需承担的责任不同,不同审批制度下不良贷款续扩程度有明显区别:信贷经理制下不良贷款续扩行为较为明显,实行贷审会制度可在一定程度上抑制这一倾向,但在从众压力和领导权威影响下,更容易出现不良贷款续扩行为,而专家权威的影响不显著。因此,必须完善贷审会制度,建立民主化的贷审会,推进信贷审批人资格考察,培养并使用专业信贷审批人。
[Abstract]:This paper discusses the causes of non-performing loans in China from the perspective of non-performing loan extension, especially the relationship between the credit approval system and non-performing loans. Combined with the actual situation of China's credit business, this paper makes a situational experiment on the examination and approval system. It is found that due to the different cognition and responsibility of the loan project, there are obvious differences in the degree of non-performing loan extension under different examination and approval system: the behavior of non-performing loan extension under the credit manager system is obvious. To a certain extent, the implementation of the credit review committee system can restrain this tendency, but under the influence of crowd pressure and leadership authority, it is more likely to appear the behavior of non-performing loan extension, but the influence of expert authority is not significant. It is necessary to perfect the system of the credit review committee, establish a democratic credit committee, promote the examination of the qualification of the credit examiner, and train and use the professional credit examiner.
【作者单位】：中国社会科学院金融研究所博士后流动站;包商银行博士后工作站;
【分类号】：F832.4
【正文快照】： 一、引言评级机构标准普尔认为中国内地经济增长放缓,企业现金流被削弱,将导致 2012 年银行业不良贷款逐步上升,全年提高 2~3 个百分点,银行业整体最高可达 5% ① 。事实上,即使前几年不良贷款持续下降时,中国商业银行也一直存在经营风险和道德风险。而且,在中央政府的宏

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