Research On The Improvement Of Credit Management System Of Changshu NS Bank

The Improvement Research on Changshu NS Bank Credit Management System With the development internet finance,traditional individual consumption credit is not the exclusive area of banks.Instead,lots of internet companies seize the market.Frequent risks in credit business and high reject ratio in banks further affect profits of traditional interest rate differential in banks.The author regarded Changshu NS bank credit management system as the research object.Changshu NS Bank is one of the rural cooperatives to do joint-stock system reform in the nation.Now the bank headquarters is located in Changshu that is top 5 in national best counties.Its business is also concentrated on Changshu.In recent years,with the gradual development of retail strategy in Changshu NS Bank and rapid expansion of Changshu NS Bank credit scale,it challenges customer management ability of Changshu NS Bank.Meanwhile,diversification of credit demands caused by customer scale proposes a new requirement for product development in Changshu NS Bank.However,credit system has already had shortcomings in satisfying increasingly rapid product development requirements and increasingly refined management requirements.In order to meet internal and external demands in Changshu NS Bank credit management,it must relocate and rebuild Changshu NS Bank credit managements system comprehensively.In the paper,the author firstly summarized each module of NS bank credit system and indicated that under the current situation,credit system has some problems in credit management,synchronization with other system,collateral management,risk early warning and control,and rapid configuration,proposing the necessity of establishing a score card model for credit system.Next,the author introduced the role and steps of score card model in Chapter three.Data evaluation of score card model in Changshu NS Bank was further studied and analyzed on the basis of the current credit data and environment.Furthermore,the author summarized data effectively and verified operability of score card model through model design,modeling data preparation,refinement analysis,model confirmation and model verification.Such a score card model can be applied in daily business to accumulating experience for client marketing and credit factories’ marketing mode.In the Chapter four,the author conducted effect evaluation on operation of the score card model,including loan quality after automatic approval,overdue loan,and automatic approval of typical organizations,and finally came up with recommendations to improve and perfect the model.Credit system embedded with score card model and automatic approval provides a convenient and high-efficient approval mode for Changshu NS Bank credit management and enhances bank effects.It also has a good social benefit.