银行信贷资金流向监控现状、问题与建议

摘要

目前商业银行信贷资金流向监控主要以银监会的“三个办法一个指引”为基础框架，各行根据自身情况，制定了具体措施和管理办法。但在实际执行过程中，普遍面临着诸多困难，执行效果欠佳。本文建议通过改进“受托支付”管理办法，借助征信系统加强事后管理，来完善当前信贷资金流向监控。%Currently, the commercial banks monitor the flow of their credit funds mainly according to the basic framework of Chi-na Banking Regulatory Commission as well as their own concrete measures and management rules. But in the actual executing process, the banks are generally faced with many difficulties;therefore the executing effect is satisfied. The paper suggests that monitoring the flow of the credit funds should be perfected by improving the entrusted payment management rules and with the help of the credit re-porting system to strengthen the post-management.