信贷人员 meaning in English
lending officer
Examples
- Although it does not take long for the credit officer to learn to look at the balance sheet and the profit and loss account of the borrower , the security of the job requires an unspoken recognition of the authority of those in a position of power in the government bureaucracy
尽管信贷人员不会需要太长时间就能学懂查看借款人的资产负债表与损益帐，但他们若要在这个网位安稳地继续工作下去，不成文的规定是要听从当权者的指令。 - In addition , national commercial bank can improve the efficiency of collecting and transferring and power of screening through regulating of credit personnel and innovation of organize and management , it will be achieved to reduce the credit risk and to improve efficiency of resource ordinance in credit market
另外，国有商业银行也可以通过信贷人员的结构调整、组织管理上的创新等，提高信息的收集与传递的效率和甄别的能力。从而达到降低贷款的信用风险以及提高贷款市场资源配置的效率的目的。 - This thesis takes zhenjiang city commercial bank ( zccb ) as the research object , stating with the basic theory of credit risk by way of analyzing in combining the theory into practice , and then deeply analyzing the current status and credit risk system in order to find the weak aspects on the basis of research , and with consulting foreign banks " advanced means in controlling credit risk and with importing the credit risk management system project , specially importing the model of crdeit metrics , the most important means in measuring the var value of credit risk in the above mentioned project , and then puts forward the conclusion that the means in managing the credit risk is changeable and dynamic with using synthetic ways in accordance with the practical status , and also advises how to improve the credit risk management on the part of zccb
本论文以镇江市商业银行为研究对象，从商业银行信用风险的基本理论入手，运用理论和实践相结合的分析方法，深入分析了镇江市商业银行的经营现状和镇江商行信用风险体系，找出其薄弱环节。在此基础上，借鉴国外银行信用风险管理先进手段，引进信用风险管理系统工程，特别是此系统工程中最为重要的信用风险量化手段creditmetrics模型测算风险的var值，构建了镇江市商业银行信用风险管理的模型，提出了在强化信用风险管理相关环节的同时，必须进行raroc考核，以评定相关信贷人员的业绩及分配风险资本。并针对镇江市商业银行的实际，提出了改进镇江商行信用风险管理的措施建议。