The Research Of Coporate Loan Management In China M BANK

Finance is the core of modern economy, which plays the significant role in macroscopic adjustment of economic development. The gains or losses in future domestic commercial bank largely depend on the credit risk management level in each bank. The corporate loan business of commercial bank has committed to separately and restrictively running the mechanism of investigation, examination and loan, and with that, loan management is the way of loan, as well as an important part of the credit risk management. Loan management refers to the actual process of organization, examination, management, which is also a whole process of loan behavior constraint. The main content of the loan management refers to the activities of loan examination, loan contract examination, loan origination, and file & collateral management in corporate loan businesses.Corporate loan management in China M Banking Corp. Ltd. is the theme of this article, which will be conducive to the banking loan management system innovation, be advantageous to promote the bank’s pace of product innovation and management optimization, to contribute to manage credit risk in a more comprehensive and continuous way, as well as being conducive to increase bank credit risk prevention capabilities productively.This essay is divided into six chapters. Chapter one introduces the background, purpose and meaning of this article, and briefly reviews the domestic and foreign relevant theories about banking credit risk management. Second chapter summarizes the commercial bank corporate loan management, the meanings and the main content of the loan risk management, and the operation risk. Third chapter states banking loan management status, management mode, organizational structure, loan process, post setting, key work, and existing problems in corporate loan management. The fourth chapter is the focus of this article analysis, through the SWOT analysis method, which analyses the existing main problems of loan management in China M Banking Corp. Ltd., furthermore, based on the internal and external formal analysis through threats and opportunities analysis, the influences of internal expansion demand and the change of the external economic environment have been summarized as three typical management cases for analysis, which focusing on the significance of administration function in corporate loan management in China M Banking Corp. Ltd. According to the conclusion in Chapter fourth and the Six Sigma Management Theory, advanced management ability measures have been raised. Last chapter is the conclusion and the prospect. This article puts forward the research direction of loan management,and point out some constructive and effective suggestions from between the internal and external, the macro and micro, the system and culture aspects.