Research On Credit Management Of Harbin Commercial Bank

In recent years, the world economy has shown the trend of recovery and gradual growth, but the global economic growth has lost its balance increasingly. There are the major risks such as the price of petroleum and the security of energy. The trend of the globalization, the informatization and the liberalization for the development of finance has been future strengthened. The progress of the industrialization, the marketization, the urbanization, the internationalization and the modernization for the economy of our country has been continuously accelerated. The economy has kept the high speed of growth. The strength of the informing and the innovation in the financial domain of China has been continuously increased. The financial institution system in which different kinds of banks coexist and the financial market system with the multiple layers and multiple functions have been gradually formed. The financial order has become standard, and the horizontal competition has become furious increasingly. The urban commercial banks of our country have been established for 10 years. They have developed and grown up rapidly, but also shown up many serious questions which endanger the survival and the development, such as the lower operational efficiency, the more issues left over from history and the political restriction. It is the important proposition in the development history of the urban commercial banks to construct the profit making system and to improve the level of development on the premise of preventing the risks.Aiming at the credit management of Harbin Commercial Bank, the paper investigates the present developing situation of the credit management of Harbin Commercial Bank, combines with the research achievements in and out of China, and utilizes the credit management, the risk management, the information management and other related theories to carry out the systematical analysis on the practical operation flow of loans and the situation of the credit quality of Harbin Commercial Bank. The paper takes this as the basis to find out the principal questions in the credit management of the bank: The restriction by the governmental behaviors and the asymmetry of the information are the common questions in the credit management process of Harbin Commercial Bank and even the whole urban commercial bank system of our country. The mistake of loan decision-making and the absence of the pre-warning system are the particular questions of the bank. Aiming at these questions, the paper brings forward the advices for promoting the betterment and the improvement of the credit management of Harbin Commercial Bank, and deems that the bank shall future consummate the administration structure of the company, improve the information management system, and make full use of the resources to reduce the asymmetry of the information and to reduce the credit risks.