摘要
商业银行是现代市场经济的核心,经济的持续、健康、快速发展离不开商业银行的有力支撑。文章以C银行H分行为例,研究其对借款企业的事后监控机制。研究发现,C银行对借款企业的事后监控以贷后审查为主,但事后监控存在监控不及时、监控内容未落实、监督不到位等问题。其外部原因是快速变化的经济环境要求效率更高的事后监控,多元化经济的企业扩大了对事后监控的管理宽度与深度,激烈的金融机构竞争使银行放宽了对事后监控的要求;内部原因是事后监控内部机制不完善,基础建设、基层管理存在薄弱环节,人力资源管理工作不到位。为进一步完善对借款企业的事后监控机制,更为重要的是需要从内部原因出发,重新设置相关管理条例,开展新的信贷模式,建立事后监督中心,做好业务培训与绩效考核。
Commercial banks are the core of modem market economy; the sustainable, health and rapid economic development has to depend on the support of commercial banks. Taking H Branch of Bank C as an example, the author carries out research on its ex-post control mechanisms on the borrower. It shows that ex-post monitoring of Banks C on the borrower is mainly the post-loan reviewing, but ex-post monitoring is not timely, monitoring content is not implemented, monitoring is not in place. The external reasons are that the rapidly changing economic environment requires a more efficient ex-post control; diversified economy enterprises expand the breadth and depth of management for ex-post monitoring： fierce competition in the banking financial institutions relaxed the requirement for ex-post monitoring. The Internal reasons are that internal mechanisms are inadequate： infrastructure and basic management are weak; human resource management is not in place. To fnrther improve the ex-post monitoring on borrowers, the more important for us is to reformulate related regulations, develop new pattern of credit, build the ex-post monitoring center, and do a better job in training and performance evaluation.
出处
《中国流通经济》
CSSCI
北大核心
2013年第12期117-122,共6页
China Business and Market
基金
教育部人文社科项目"银行债权治理的公司治理效应及其机制研究:考虑治理机制间的相关性"(项目编号:10YJA7901871)
广东省自然科学基金项目"银行监督的公司治理效应
激励与机制研究"(项目编号:S2013010013781)
广东省软科学规划项目"基于银投合作的广东科技金融产品创新及风险投资发展研究"(项目编
关键词
商业银行
事后监控
C银行H分行
commercial banks
ex-post monitoring
H Branch of Bank C
