试论我国民营银行加强信贷风险管理的策略——对台州市民营银行信贷风险管理的调查与思考  

On Enhancing Credit Risk Management in Private Banks——Research and Thinking on Credit Risk Management in Taizhou Private Banks

作　　者：夏碧莹[1] 

机构地区：[1]武汉大学经济与管理学院,湖北武汉430072

出　　处：《台州学院学报》2011年第2期90-93,96,共5页Journal of Taizhou University

摘　　要：近年来,随着我国民营银行的快速发展,信贷风险控制业已成为突出问题。浙江省台州市民营银行针对中小企业客户,率先在治理结构、贷款设计、信息了解、人员队伍、约束激励等方面进行探索并形成了富有特色的风险管控模式;同时,也存在着盈利模式传统、科技运用程度不高、法律支持有所缺失等不足。我国民营银行应从完善治理结构、改进经营策略、转变增长方式、健全信用法律体系等方面加强信贷风险管理。As the rapid development of private banks in China,credit risk becomes the main problem.Though Taizhou private banks have formed unique credit risk management model on managing structure,designing loans,personnel constructing,constraint and motivation mechanism and so on,there are some problems as traditional profit-making model,less technology used and lack of legal support.To solve these problems,private banks should enhance credit risks management from perfecting governance structure,improving operation strategy,changing growth mode and perfecting credit legal system.

关 键 词：民营银行 信贷风险 管理 策略 

分 类 号：F832.4[经济管理—金融学]