Lending Strategies And Loan Quality: Analysis, Based On A Branch Of The Agricultural Bank Of China

Based on the credit asset's qulity changes of the implementation of a series of acts of the Agricultural Bank of China (ABC) since 2001 that after the core rules of regulating credit decision-making actions, this paper have introduced every types of credit's strategies of the Bank's clients'identification, survey before loan, survey during the credit and inspection after the loan in details, focused on analying the three major credit decisions technological capabilities that exist in superiority and inferiority superiority and inferiority of the settings in the customer rating system, determination of credit loans and credit's choice modes, as well as made recommendations for improvements.This paper is divided into six parts. The first part is the introduction, on the one hand, it has introduced the background and significance of the topics, emphasized the relationship between the credit risk of commercial banks and healthy development of the whole national economy; on the other hand, it has reviewed the existing literature's influencing factors on the quality of bank credit assets, and the research results of management strategies and pointed out the remains to be further researched;The second part is the overview of a branch of the ABC's credit management strategies and quality of credit assets: through description of the branch of the Agricultural Bank's credit management strategy, we have analyzed its impact on the quality of the assets and given the main research contents of this paper;The third part is the rating strategy and credit quality: firstly, we have introduced the main elements of the new Basel Agreement as well as the relations with the bank's credit rating system; secondly, we have described the credit rating of loan balances and loan quality of the different clients; finally, we have identified the problems of rating system and made recommendations;The fourth part is the credit policies and loan quality: we have described the principal measuring methods of the bank's credit policies and taken a typical loan business as an example, analyzed the pros and cons of the method and put forward recommendations for improvement;The fifth part is the quality of loans and loans, we have mainly described legal evidence of the security management approach and compared the Hong Kong banking sector's customary practices of loans and analyzed the pros and cons of different loans, pointed out that even the borrowers'second repaying source of protection is an important factor affecting the quality of loans, but the overall strength of the borrower to consider is the core content of improving the credit quality. Part sixth is a full summary.This study concluded that, even whether the bank credit assets'quality is good or bad that usually subject to many factors of the macroeconomic policy, their own management levels of banks, and the third party (enterprise) repaying ability and willingness to repay, but the external environment can not be changed to the primary banks, they should begin from their own, in the customer's credit rating, credit limit setting and choice of loans, etc. enhanced "Strength" in order to improve credit management level and prevent credit risks, and made due efforts.