The Credit Management Reengineering Based On The Cost And Humanism Ideology

Since the 1980s, there has been an enthusiastic movement of reengineering the bank in the world banking industry which has landed in a predicament and puzzled situation under the shock wave of the financial innovation. The reengineering movement has profound influence on the transfer of credit management parading which has been banded by traditional ideology. To realize this kind of transfer, the key thing is to find out the organic combination of ideology and structure. Meanwhile, the cost theory and the human-oriented theory has been revolutionarily developed by regarding the cost management and procedure as the"last field"in saving cost, putting forward a number of ideas on human resource and human-oriented theory and seeking the new idea suited to the transform of banking credit management parading. This is the cost and humanism theory demonstrated by this essay. Moreover, it is the increasingly fulfillment and development of those theories in competition,organizational transform,reengineering the enterprise,reengineering the bank and the introduction of the credit management procedure cybernetics in the essay have underlaid a solid foundation for this kind of transform. Therefore, a brand new parading of credit management appeared which depends on the IT and external resource, bases on the cost and humanism ideology , take the essential revolution of credit business as its core task intending to prevent and control credit risk, lower the management cost and upgrade management value. As is known, the credit business is the kernel one in banking business, it is significantly essential to both theory and practice to do the reengineering research on it and explore the key management thought and risk-control method. According to the recent situation of China's banking industry, the credit risk control lever and consciousness are commonly low and 90 percent financial income comes from interest. The realistic meaning of studying on the subject seems extinct and important. This is the main idea clarifying by the first and second chapter of the essay.The essay focuses on doing research of the revolutionary phenomenon in credit management intending to explore the common regularity and trying to establish an integrated analysis system. The basic idea of chapter 3,4,5 and 6 is to identify the fundamental designing idea and outline the blueprint of future banking credit management. This part takes the cost and humanism ideology as the instructive idea and designs the credit business procedure,organization pattern. By studying the transform of cost management system,pricing strategy adjust,business contract,strategic combination,credit culture reengineering,humane resource management reengineering and customer relationship administration. Finally, it puts forward a multi-performance-efficiency-evaluation method as the frame of the credit procedure efficiency analysis system. It uses the financial dimension,cost-income analysis and non-financial dimension time evaluation to assess the reengineering performance. The main purpose is to establish the performance-efficiency evaluation reengineering function and to tidy up the train of thought.The essay applies the relative research achievement to instructing the practice of credit management in China's banking industry which shows strategic thought in three aspects: environmental analysis,strategy location and adjustment.The innovation of this essay lies in three respects. First, it's the system innovation that initially establishes a relatively intact theory analysis system and clarifies its train of thought. Second, there are partial innovations such as ideology innovation,pattern innovation and the introduction of new theories. The ideology innovation combines the newest development of cost and humanism theory on reengineering the credit management. The essay brings up for the first time, the credit management process cybernetics. It has two main points, one is that it is the core mission of reengineering the credit management with other credit management tasks conducted according to it, which means reengineering the process is to control the frame and keynote of reengineering the credit management. The other is that it is an effective measure in achieving the goal of credit management. Third, applying to the realistic situation of China's banking industry, especially the internal and external environment of reengineering the credit management, this essay discusses the strategic location of it and brings up some thought of the author on strategy adjustment.