Research On Credit Approval Of Commercial Bank Shanty - Area Reconstruction Project

Credit approval is the key to commercial bank credit operations， while the realestate enterprises is an important customer loans of commercial banks. Shantytownsis the current situation of China’s steady growth， the best combination of structuraladjustment and benefit people’s livelihood， and is conducive to the long-termbenefit of current popular works again. Although shantytowns project there are alsomany risks of credit， but as the main force of China’s financial system，commercial banks should seize the opportunity， based on commercial principles，and increase efforts to support the shantytowns， the implementation supportsnational and their own livelihood projects the dual goals of business development.The paper use literature analysis， case studies and survey analysis and othermethods， on the basis of knowledge of domestic and foreign research status relatedpresentations and commercial bank credit operations， credit risk， introduce theshantytowns project credit support in the background， and the situation ofshantytowns project credit of commercial banks， analyzes the current situation ofcommercial banks， and the current situation of shantytowns project credit approvalof commercial banks real estate enterprises， pointed out the shantytowns projectcredit approval problems of the commercial banks to the real estate business: creditapproval efficiency needs to be improved， full-time person to information restrictedcredit approval， commercial bank credit management tools is not perfect， smallercommercial banks grassroots line of credit approval authority， the professionalquality of commercial bank loan officers to be improved; and made a perfectcommercial banks to the real estate business shantytowns project credit approvalstrategies: optimization of real estate enterprises shed reform project credit approvalprocess， the crack problem of asymmetric information， improve credit approvaland credit investigation system oversight mechanisms，scientific allocation of creditapproval authority strengthen the credit approval of qualified personnel， payattention to credit approval risk prevention. Finally， take GS Bank Yunnan Branch Guandu District tower dense shantytowns project credit approval as an example，analysis the real estate enterprises of commercial banks credit approval processempirical， pointed out the problem of credit approval and put forward suggestionsfor credit approval management.