The Research On Personal Loan System Operation Management Of China Construction Bank

Since the reform and opening up, especially since entering the new century, withChina’s economy strong rise and the financial system reform steadily, China’sfinancial institutions to the four major state-owned commercial banks as the mainbody keep reform, comply with the development trend of the world economicintegration and financial liberalization, has always been guided by the market byfinancial innovation gripper, the information construction as the breakthrough point,to enhance their core competitiveness. However, due to various reasons, theinformation system of the Commercial Bank of our country especially the ITarchitecture also faces some prominent problems, such as lack of advancedcomponents and design changes to deal with complex situation and the credit businessIT system increased flexibility to support is obviously insufficient. This article isbased on this background, project management in Construction Bank loan businesssystem as the research object, through the analysis of the system development ofconstruction of banks and many practical problems,In this paper, the State-owned Commercial Bank of our country representative isthe Construction Bank credit business system project management optimization as theresearch object, adhere to integrate the theoretical analysis and empirical analysis inthe study, based on the positive experience of the United States, Japan and otherwestern developed countries financial institutions loan business IT project advancedmanagement experience, combined with practice of our in the reform of the financialsystem and the commercial banks, especially in empirical research and scientificanalysis of evolution about the construction of a bank loan business IT project and thepresent problems, and strive to cause bottlenecks and problems comprehensivelyunderstand the Construction Bank credit business construction. Finally, this paperputs forward countermeasures to optimize the Construction Bank loan businesssystem of project management and implementation and safeguard measures, so as toenhance the core competitiveness of Construction Bank fundamentally, strengthen theconstruction of bank management quality and the operating efficiency, increasing indomestic and international financial market competition advantage.Compared with the similar research, this research has explored the extremelyimportant theory significance and the practical significance, can be said that t he research with distinct characteristics of the times and strong pertinence and practice.If the research can promote the construction of the bank to a certain extent andimprove the management of personal loan business project level, to provide areference and model useful for IT project management and other financial institutionsin a certain extent, depth can enhance our financial institutions and the reform of thefinancial system in a certain degree of development I will feel very happy.