The Credit Process Optimization Of A Bank

A bank is directly under the State Council’s state-owned commercial banks, and its predecessor for policy banks, mainly dedicated to the national infrastructure, basic industries, pillar industries, construction, supporting grass-roots financial services and promote Chinese enterprises to go. Is the main Bank of China’s long-term loans, but also China’s largest foreign exchange loans to banks. Their loans to cover the State Key areas of focus projects, also covers the grass-roots people’s livelihood finance small loans.Since its inception, Bank A is mainly engaged in the policy financial business will be a lot of money invested into the national focus on support for the field to guide social capital flows to not achieve market-oriented fields, Bank A would business philosophy of Paul in this low-profit, to risk, but on the profits ask for much, in the years of business operation, A gradually formed a complete set of credit process.In2010, the State Council to Bank A as a pilot to promote the business transformation of the policy banks banks began A more engaged in the commercialization of business, commercialization proceeded steadily, the volume of business has gradually increased, and new variety of businesses increases rapidly, commercial business profit level is relatively high, while the risk is relatively large, so the existing credit system has been unable to meet the business development needs. Specific performance of the blind spot of clear responsibilities for the credit process, less of the project development plan, inter-departmental convergence mechanism is not perfect, inefficient credit approval and other adverse circumstances. Response to the increasingly fierce market competition, to meet the compliance of commercial banks, the need for prudent operation, I tried A bank’s credit processes, combined with the operational characteristics and personnel of the Bank A, institutions, Bank A’s credit process improvements optimization proposal.