如何提升授信审批在信贷结构调整中的战略价值

摘要

At present, domestic and international economic and financial ertvironment is undergoing profound changes, so that opportunities and challenges both exist. This paper tried to study the credit approval in the process of credit structure adjustment, explored how to improve the strategic value of credit approval in credit structure adjustment from the perspectives of the concept, the system and mechanism, the services and the team building of credit approval.%当前，国内外经济金融环境正发生着深刻的变化，机遇与挑战并存。我省提出的加快经济增长方式转变和总行提出的加快经营转型都要求我们必须主动加快信贷结构调整，使信贷结构更好地与宏观经济政策和地区经济发展相适应，与全行资产负债结构相匹配。在国家新一轮宏观经济调控周期和银行信贷政策调整过程中，授信审批工作如何从突出信贷结构调整的战略高度，结合信贷结构调整中面临的问题不断优化客户、产品、行业、期限、收益结构，并在审批理念、审批体制机制、审批服务、审批队伍建设等方面进一步提升授信审批的战略价值，保障其职能作用的有效发挥，对此，本文进行了一些积极探索。