中国商业银行集团客户信贷的项目管理制度分析.doc

摘要 自商业银行产生，风险就与之相伴、形影不离。随着银行业务的不断发展和市场竞争的加剧，银行业风险也呈现出复杂多变的特征。金融是现代经济的核心，银行业则是金融业的重要组成部分，随着人们对金融风险的重视和认识的加深，国际银行风险管理的内涵和理念不断深化，水平也在不断提高。 中国是处于转型过程中的发展中国家，外部经济环境较为复杂，银行业发展还很不成熟，风险的表现形式更为特殊，这对风险管理提出了更高的要求。 关键词：商业银行；集团客户；信贷管理；项目管理 I Abstract Since the commercial Banks to produce, the risk was with them, was like peas and carrots. As banking business development and market competition intensifies, banking risk is also showing the complex characteristics. Finance is the core of modern economy, banking is an important part of the financial sector, as people opposite of financial risk recognition and understanding of the deepening, international bank risk management concept and connotation of deepening, level also constantly improving. China is in the transition process of developing countries, external economic environment is relatively complex, banking development is not mature, risk more special forms of expression of risk management, which put forward higher request. Based on group enterprise as the research object, by using case analysis, literature study and theoretical analysis method in China’s commercial Banks, credit risk management status quo group clients based on the study of China’s commercial Banks, it is found that the client group management introducing project management pattern already have organizational structure matrix transformation and the customer manager system based, and the goal orientation of process management and project management demand will actively promote the application of project management mode. And analyzed further build commercial bank group customer credit project management pattern needs research contents, including group clients project type, the process of project management, Project management tool, Client group project management pattern of change; And the relevant interests of project management FangZhiWen dynamic structure. Key words: commercial Banks, Group customers; Credit management; Project management - 1 -