授信管理

最后，该行应采取技术防范措施，改善授信管理机制。

Finally , technical measures should be adopted to improve the system of the Line of Credit management .

从业务管理角度出发，给出了建立完备集团客户统一授信管理体系的改进思路。

Give a new thinking on establishing complete group customers unified credit management system from the view of operational management . 5 .

商业银行客户信用风险与统一授信管理

Customer Credit Risk and Unified Authority Management in Commercial Banks

论国际贸易融资中的授信管理

Risk Management in International Trade Financing

然后，阐述了我国商业银行信用风险管理所经历的四个阶段：信贷资金管理阶段、授信管理阶段、贷款分类管理阶段、内部评级法的探索阶段。

Then , I expounds four stages of credit risk management Chinese commercial banks have been through .

商业银行授信管理主要包括两个层次：（1）确定客户信用等级；

Line of Credit mainly includes two levels : ( 1 ) Ascertaining the credit level of customers .

而授信管理业务作为工商银行目前最主要的收益来源，面临的操作风险更不容忽视。

Business credit approval as the main source of revenue is currently , operational risk can not be ignored .

从总体分析，我国商业银行对集团客户的授信管理缺乏一整套有针对性的管理制度和操作规范。

At whole analysis , our commercial banks lack a complete pertinency management system and operating procedure for credit management of group clients .

信用等级评估模型的分析是授信管理提高和发展的方向，也是本系统的重点业务。

The credit rating evaluation model analysis of credit management to improve and develop the direction is also the focus of the system .

因此，减少不良贷款，改进授信管理，加强风险控制就成了重中之重。

Thus , it is significant to decrease the bad credit , improve the Line of Credit management and enhance the risk control .

目前虽然有关商业银行授信管理的研究很多，但是其中大部分都处于定性研究阶段，而且主要还是处于确定企业信用等级这一层次的研究上。

Now although there are many researches about the Line of Credit , most of them are qualitative and about the first level .

这种授信管理方法较好地解决了传统的银行信贷管理模式过于偏重定性分析的缺陷。

But unlike previous researches which involve too many qualitative elements , the author introduces the credit lines e-valuation model as a quantitative risk management method .

最后对综合授信管理制度进行详细叙述。论银行信贷登记咨询制度与统一授信制度

Finally I extended an explorative study on sensible methods in the Credit management . The Theoretical Analysis of Loan Information Registration System and Commitment Loan System

在建立商业银行授信管理决策模型之后，本文继续探讨了利用灰色理论模型预测企业年经营现金净流量的方法。并以实际数据对本文所建模型进行了实例分析。

Finally , this paper discusses the methods of predicting operating cash using gray theory and gives a test to the model that establishing in this paper .

随着信贷等授信管理体制和制度的不断创新完善，国有商业银行的授信风险控制水平已跃上一个新的台阶。

With the credit such as credit management system and a system of continuous innovation and improvement of state-owned commercial banks to control the level of credit risk has leapt to a new level .

第四、五章分别从授信管理角度和信贷组合角度提出加强我国商业银行企业集团客户信用风险管理的对策。

Chapter 4 and 5 make suggestions to Chinese commercial banks on the counter-measures to enhance the credit risk management on corporate group customers from the aspects of credit management and credit portfolio management respectively .

商业银行应提高防范意识，对集团客户实行统一授信管理，以减少会计信息失真对商业银行的不良影响。

Commercial bank should enhance the awareness of precaution and carry out the unified management of awarding trust towards group customers so that it can reduce negative influence that a distortion of accounting information brings to commercial bank .

企业信用管理包括企业授信管理与企业受信管理，而全过程控制方法是进行企业信用管理的有效方法，它包括前期信用管理阶段、中期信用管理阶段和后期信用管理阶段。

The common credit management includes both credit-awarding management and credit-accepting management , but the full-process control method stated in this paper , which is the effective credit management method to enterprises , includes early-stage management , midterm-stage management and later-stage management .

在授信管理方面，着重阐述了危机处理机制并进行了案例分析，而在信贷组合管理方面，着重考虑广泛的适用性，形成了由简单到复杂的方法体系。

In the aspect of credit management , the crisis management mechanism and case analysis are expatiated , while in the credit portfolio management part , abroad applicability is emphasized so that a method system is set up including management tools from simple to complex .

包括加强授信管理的四个方面，即完善统一授信决策体制，强化三查监控，落实客户准入退出机制，以及重视早期预警与危机处理机制。

The counter-measures include the four aspects of the credit management , i.e. , improvement of unified credit approval system , enhancement of ' Triple check ' monitoring , implementation of customer admission and retreat mechanism and emphasis on early warning and crisis management mechanism .

进而得出结论，优化方案的设计是合理，具有一定的可操作性。但具体指标的设计仍有待商榷，在地方政府负债透明和约束机制及改善对地方政府融资平台授信管理等方面仍亟待完善。

The conclusion , optimization design is reasonable , which has certain maneuverability , but in specific target design still remains deliberate , in the local government liabilities transparent and restraint mechanism and to improve financing platform of local government credit management , needs to be improved and strengthened .

国有商业银行银行授信风险管理体系研究

A Research on the System of Credit Risk Management in the Four Largest Government Owned Commercial Banks

本文综述了集团客户授信风险管理的一般理论，并对集团客户以及集团客户授信风险进行了定义。

This article summarizes the general theory and gives the definition the of credit risk management of group corporate clients .

二是进一步完善授权、授信和管理责任制，建设全面有效的风险管理体系。

Second is to further improve the authorization , credit and management accountability , building a comprehensive and effective risk management system .

湖南工行应当建立独立的风险管理制度，制定证券公司信用等级评定标准，完善授信业务管理。

Hunan Industrial and Commercial Bank should set up independent risk management system , make securities broker company credit grade criteria for evaluation .

信贷市场份额的多少，管理水平的高低、风险控制能力的强弱，将直接关系到银行核心竞争力的高低和战略目标的实现。这些都使得授信风险管理成为商业银行所面临的首要的战略问题。

The credit market occupation percentage , management level and risk control ability are directly related to competition strength and strategic goal for banks .

这些问题主要集中在银行对供应链金融中存在的风险认识不足，操作环节风险管理不够谨慎和授信额度管理存在漏洞等方面。

These problems mainly origin from insufficient risk awareness of Supply Chain Finance , flaws in operational risk management and management of line of credit and so on .

第五，文章比较分析了供应链融资业务风险管理与一般授信风险管理的区别，重点介绍了两种风险控制手段：现金流控制和结构性授信安排。

Then the differences of risk control in supply chain financing and tradition financing are analyzed , two methods of control risk of cash flow control and structured financing are presented .

本文从分析我国四大国有商业银行现行的授信风险管理体系入手，试图从实践上对其未来发展、改进方向提出修改建议。

This thesis not only analyzes the current system of credit risk management in the four largest government-owned commercial banks , but also presents suggestion on its development and improvement orientation .

同时，通过对外部环境和招商银行国际化战略的分析，指出优化集团企业授信风险管理的必要性。

Meanwhile , this article also points out the necessity of optimizing the credit management of the group clients , through analyzing the external environment and the internationalization strategy of China Merchants Bank .