內(nèi)容摘要：由上海地區(qū)城市商業(yè)銀行的代表--上海銀行的一個(gè)信貸案例，引出上海銀行在貸款方面的一些仍需改進(jìn)的方面。主要包括，貸款分類界限仍然比較模糊，沒有形成固定的貸款模型；政府的貸款數(shù)占貸款投放總數(shù)的比例太大，在地方債務(wù)存在違約風(fēng)險(xiǎn)的情況下，貸款的安全性存在隱憂。此外，在發(fā)放貸款時(shí)，信貸員對于假按揭，住房抵押等貸款的風(fēng)險(xiǎn)認(rèn)識不足，體現(xiàn)為只追求貸款的數(shù)量，業(yè)績排名，而忽視貸款的質(zhì)量。除此之外，建議上海銀行在今后的貸款項(xiàng)目中，能多多結(jié)合“十二五”規(guī)劃提出的企業(yè)產(chǎn)業(yè)轉(zhuǎn)型等內(nèi)容，加大對新興產(chǎn)業(yè)，國家重點(diǎn)扶持產(chǎn)業(yè)的貸款支持。

關(guān)鍵詞：貸款模型 政府貸款 缺乏信貸風(fēng)險(xiǎn)認(rèn)識 十二五規(guī)劃

Abstract：In retrospect a loan case occurred in Bank of shanghai, we found many aspects which need to be approved in the loan business in the bank. For instance, the category of the loan business is still obscure, the local bonds occupy too much spare of the total, which can be a risk somehow if the municipal default their debt someday. Besides, the loan teller did not pay much attention to the risk of the financing project, specifically pursuing the quantity but not the quality of the loan business. From my point of view, I suggest the manager board or the teller could combine the twelfth five-year plan to increase the distribution of some rising industries. 

Key words: loan model   local bonds   lack the necessary understanding of the loan risk   the twelfth five-year plan