The Research On Application Of Commercial Lending Process Management System In AC Bank

In 21^st century, China has been facing the challenges of globalised economy and the flooding in of the international banks after China entered WTO. As the bank business has opened, the finance industry has to join the severe competitions which had never happened before. The bank industry is as the pillar of a country's economy, which must focus on not only the creation of products and services, but also focus on the integration the IT and traditional business, meanwhile advocating risk control and innovationof management. The system of commercial lending process management, which called CLPM was established under such circumstances. The dissertation is trying to introducing the applications of CLPM, analyzing the commercial lending support on commercial lending which providing by the CLPM, and the contribution to the commercial lending risk management of the AC bank by establishing CLPM. Meanwhile, through introducing the methods of project management of application process of CLPM, proposing management suggestions as valuable references on the 2nd stage of applicatiFollowed by the deeper development of financial informatization, besides the competitions of regular products and services, the bank industry competitions has turned to internal control system competition and information management competition. Because of the pressure of competition, customers'demand and cost, the bank industry put more and more money in the IT system.First of all, it is based on summarizing the background and significances of establishing electronic commercial lending system of the AC banks, then inducting academic and real foundation of establishing the CLPM, pointing out the establishing is complied with the business development and technical planning of the AC banks, and it has serious impact on the commercial lending business of the AC banks.Secondly, it deeply described and analyzed the content and application of the CLPM, emphasized on introducing two main business system implements which are middle & small enterprises business and group clients business system.Thirdly, through introducing the common risks of commercial lending business of the banks and the risks of commercial lending business of AC banks, it pointed out that the CLPM enforce the risks management of the commercial lending business which including the risks management of the front, middle and end stages of lending. Fourthly because of the feature of information mutually sharing of the CLPM, the author pointed out that the CLPM provides positive effects on time, management and even on economic benefits of commercial lending business. Thus it increased the ecomomic benefit of the AC banks.Finally, since this is the first application of such a big project as the CLPM which is difficult, managing methods are different from and unique than normal methods, meanwhile some experiences were collected during the process. Thus at last some suggestions were proposed to the project management, hope providing some valuable references to the 2^nd stage of the project, consequently ensure the success of the project management of the AC banks.