| 中国商业银行信贷经营的内部市场化管理研究 |
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| 引用本文： | 文忠平,周圣,史本山.中国商业银行信贷经营的内部市场化管理研究[J].西南交通大学学报(社会科学版),2011,12(6):74-77. |
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| 作者姓名： | 文忠平 周圣 史本山 |
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| 作者单位： | 1. 西南交通大学经济管理学院,四川成都 610031;中国建设银行四川省分行,四川成都 610016
2. 西南交通大学经济管理学院,四川成都,610031 |
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| 摘 要： | 我国商业银行信贷经营的内部管理仍然具有强烈的行政管理色彩的“硬约束”特征，其计划性和强迫性虽能取得立罕见影的效果，但大量实践表明，其成果大多是短效和不可持续的，因为这种刚性管理方式忽略了各经营分支机构的自然禀赋、客户资源、人员素质和管理文化差异。而以信贷综合收益RAROC最大化为核心的绩效考核体系，则将市场价格机制引入商业银行内部，利用经济杠杆的软约束管理方式引导各经营分支机构充分发挥自身优势，从而实现银行贷款资源的优化配置、分类指导。
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| 关 键 词： | 中国商业银行 信贷经营 贷款组合 市场化管理 软约束 绩效考核 |
Research on Internal Marketization Management of Credit Operation in Chinese Commercial Banks |
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| WEN Zhong-ping,ZHOU Sheng,SHI Ben-shan.Research on Internal Marketization Management of Credit Operation in Chinese Commercial Banks[J].Journal of Southwest Jiaotong Universit(Social Science Edition),2011,12(6):74-77. |
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| Authors: | WEN Zhong-ping ZHOU Sheng SHI Ben-shan |
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| Institution: | WEN Zhong-ping1,2,ZHOU Sheng1,SHI Ben-shan1(1.School of Economics and Management,Southwest Jiaotong University,Chengdu 610031,China,2.Sichuan Branch,China Construction Bank,Chengdu 610016,China) |
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| Abstract: | Characterized by stringent administrative measures,the internal management of credit operation in Chinese commercial banks yields short-run and unsustainable achievements.The branch institutions of Chinese commercial banks have their own strengths,customer resources,human resources and management cultures.Because of hard constraint such as administrative measures,there exist the misallocation of resources and low effectiveness inside the commercial banks.From the view of soft constraint,this paper studies t... |
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| Keywords: | Chinese commercial banks credit operation loan portfolio marketization management soft constraint performance assessment |
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