Commercial Bank Credit Archives Management

Along with the gradual establishment of China's socialist market economic system and the continuous deepening of enterprises reform, in the process of the new and old systems, commercial banks is faced with many unprecedented circumstances and problems. Particularly with the business closely related to the credit business and the development of credit archives information management must be more prudent and meticulous. Credit archives are a commercial bank in the management and handling activities in the formation of various types of loans. It is a bank loan management and the work of reference for the original documents. It has the history of the use value and historical value. Dealing with good credit archives is benefit for the management of credit funds in accordance with the law, and preventing and alleviating the risk of loans and capital, and protect security, and promote the development of production and invigorate the business, and increasing efficiency. In this paper start with the characteristics and the role of credit archives, a detailed description of the credit archives management features, methods and the status quo, and summarize some problems of the current management, and putting forward a number of recommendations to strengthen the effective management of credit archives.