内容摘要：由上海地区城市商业银行的代表--上海银行的一个信贷案例，引出上海银行在贷款方面的一些仍需改进的方面。主要包括，贷款分类界限仍然比较模糊，没有形成固定的贷款模型；政府的贷款数占贷款投放总数的比例太大，在地方债务存在违约风险的情况下，贷款的安全性存在隐忧。此外，在发放贷款时，信贷员对于假按揭，住房抵押等贷款的风险认识不足，体现为只追求贷款的数量，业绩排名，而忽视贷款的质量。除此之外，建议上海银行在今后的贷款项目中，能多多结合“十二五”规划提出的企业产业转型等内容，加大对新兴产业，国家重点扶持产业的贷款支持。

关键词：贷款模型 政府贷款 缺乏信贷风险认识 十二五规划

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