中文摘要：

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。

英文摘要：

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 the internal marketization management of credit operation in the commercial banks.