Research On SPF Pre-loan Credit Risk Management Problem And Countermearures

As a commercial bank established after the reform and opening up, SPD Bank has gota representative pre-loan risk management system. Although adopting mature experiencesfrom the domestic and international banks, the system faces a lot of problems. The paperaccordingly analyzes the means and approaches to improve pre-loan risk managementsystem. It not only enhances the credit operations of SPD Bank, but also offers suggestionsto other commercial banks.This paper analyze the current pre-loan control and management methods through thetracking investigation on pre-loan risk management of SPF Bank. These problems comeout during investigation, censor and approval of pre-loan risk management, and they havedifferent characters of themselves. The imperfect of the SPF bank pre-loan riskmanagement scheme and unreasonable assessment system are also part of the reasons.This paper did a well analysis on these problems. By borrowing the mature experienceand methods of famous banks and research institutes at home and abroad on commercialbank pre-loan risk management, it discusses five methods to improve the SPF bankpre-loan risk management. These methods does not only include all the aspects of theseproblems, also some development and innovations.This paper adopts the analytic hierarchy process to build the pre-loan investigationmodel, which fully analyzes the affecting factors, the relationship between them and theexisting problems’nature of risk management before credits. Through quantitative analysisof influential elements about the pre-loan risk management, it finds out the reasons ofhuman operation errors and improves the quality of pre-loan risk control. Indeed, themethod has not been used for the management system of the domestic commercial banks.This way can considerably raise the working efficiency of examination and approval, aswell as prevent the credit risk effectively.One management system shall change as the managed objects change, so that it cankeep its advanced natures during constant improvement. SPD bank shall follow this rule inpre-load risk management. The study on pre-load risk management of SPF bank will becontinued.