On Improving The Pre-loan-approval Procedures In The Giving Credit Business Of Regular Firms Of The Xi’an Branch Of Bank A

The subprime crisis taken place in2008was followed by a global financial crisis. Firms that were "too big to fall" went bankrupt one after another. Numeous elite businessmen became unemployed overnight. The cresis started in the financial field of the United States extended pretty soon to its real economy, and affacted the financial economy and real economy of many other countries. The myth of "too big to fall" was proved to be false. Increasing number of financial magnates shifted their focus on to the traditional business banks. This served to be a warning to the bankers in China. They realized that in a complicated situation like that, the abtaining and selecting and managing of loan customers are more important than ever.Based on a close study of related theories and sufficient data found in a real bank, the paper explores the relationship between the credit risk management and the pre-loan-approval procedures, and points out the problems in the regular firms of the Xi’an Branch of Bank A. Having discussed all the problems and their causes, the paper explains the necessacity and feasibility of improving the procedures before approving the giving credit. Furthermore the paper puts forward some suggestions and implementation strategies worked out by the writer of the papare himself. Finally, the paper makes a comparison of the improved giving credit procedures of Xi’an Branch of Bank A with the procesures before the improvement, in order to show the difference.After all the discribing, analyzing and comparing, as well as proposing, the paper displays the flaws of the present system of giving credit, and shows the potential strengths of the system after being improved by what are suggested here in the paper. The improved system is much better in guiding the custom managers, so that they can proceed the applications for loan with shorter time, and more efficiency. It optimizes greatly the procedures of pre-loan investigation, pre-loan review, data transfer, loaning management, etc.. The paper therefore concludes that after optimized by taken the suggested prcedures proposed by the writer of the paper, the giving credit system will become more feasible to the market, more effective to the risk manegement of the regular firms of the Xi’an Branch of Bank A, and better safeguade the giving credit rick business. Therefore, it gives enormous impetus to the rick management of the Xi’an Branch of Bank A.