China Construction Bank Guangdong Branch

The quality of loan assets is the lifeline of a commercial bank. Deregulation in management not only brought a large number of bad assets and also made CCB GD BR. step on the border of collapse for a once. By applying loan system reform and studying loan policies, CCB GD BR. successfully go out of hot water in three years, which is a miracle in the history of commercial banks.This thesis consists of two parts: "Cases" (part I) and "Cases Analysis"(Part II). Part II uses the relevant theories of organization design and loan policies to analyze many aspects of the loan system reform and loan polices of CCB GD BR, such as loan providing, loan authorization, line credit, loan risk sort, loan responsibility cognizance, inside monetary rate, etc. This thesis affirms the rationality of the loan system reform and loan polices design made by CCB during the process forward to a commercial bank. Meanwhile it points out the lacks and provides suggestions of betterment.