联合评级, 风管理与信贷决策流程再造 寿光农商行案例.docVIP

联合评级、风险管理与信贷决策流程再造： 寿光农商行案例 刘福毅 庆建奎1 （中国人民银行潍坊市中心支行，山东 潍坊 261041） 摘 要：授信和贷款是商业银行最主要的决策内容，而信贷决策流程在很大程度上决定了决策质量，决策质量又决定了商业银行的经营效果。2009年以来，寿光农村商业银行通过引入联合评级，使风险管理贯穿于整个信贷决策进程，实现了信贷决策流程的再造，取得了较好的效果。 关键词：联合评级；风险管理；信贷决策；流程再造 Abstract：Credit and loans are the major decision objects of commercial banks. To a great extent，the credit decision-making process determines the quality of decisions which determines the management performance of commercial banks. Shouguang Rural Commercial Bank has re-engineered the credit decision-making process since 2009. The bank introduced joint rating system and imp