The Consideration On The Problem And The Countermeasures Of Credit Granting In Due Diligence Of M Bank

With the rapid development but lack of detail management of domestic commercial banks in the few decades, how to do the due diligence of credit granting management has been the focus of domestic financial institutions. In order to prevent operational risk, credit risk, market risk and legal risk when the commercial banks are operating, it is not only to establish a specific risk management department, but also to establish more perfect systems and more advanced technological methods to strengthen risk management. All the employees of the banks will improve their capabilities of the due diligence of credit granting management simultaneously.M Bank is a rapidly growing national commercial banks. In the process of its development, it has experienced a number of reforms and transformation. Due to the rapid development, the assets expand vigorously as well. With more and more process loopholes appear, how to balance the rapid development and improvement of credit granting management is worth considering.Firstly, this paper begin with four cases of M bank, which points out the weaknesses in credit granting. In the form of case studies where the problems exposed, enlightenment can be sought.Secondly, compare with the current situation between foreign commercial banks and domestic commercial banks, both strengths and weaknesses in using SWOT analysis can be found. From the comparison, inspiration can be gained.Thirdly, the author analyze the problems and causes of M bank in credit granting, including the current situation of M bank and the requirement of CBRC. Combined with advanced experience of foreign commercial banks, the weaknesses, disparity and causes of M bank in credit granting can be found out.Fourthly, through the analysis of the four cases above, the disparity and causes in credit granting between M bank and advanced foreign commercial banks can be seen. How to research the countermeasure in credit granting? From operational risk, credit risk, market risk and legal risk to combining how to use the "New Basel Accords ", three strategic management tool which include the "Voice of Customer ","Six Sigma","Balanced Scorecard" are used. Then, the systems and processes of M bank are improved, something from the advanced foreign commercial banks can be learnt. Finally, the problems in the four cases can be solved naturally.The author combines his experiences in the risk management department in banks, sharing the actual cases encountered in working in this paper. In order to protect customer privacy, keywords and key data are hiding. It is hoped that through case studies, the disparity and countermeasure which improve the capabilities of due diligence of credit granting management, including M bank and domestic commercial banks can be found. However, due to the lack of theoretical knowledge and work experience, there must be much omission, negligence presenting in this paper. Professors’advises, guidance and teachings will be the most precious wealth of the author. The author will keep studying during his future daily work!Thank you teachers!...