An Analysis Of The Improvement Of The Operation Supervision Link In The Credit Process Of ICBC Inner Mongolia Branch

Since 2014, with the national economic development slowed down, the situation is low, the banking industry is generally faced with how to adapt to change and to meet the "new economy" under the financing needs of the problem, that is, how to extensive, expansion, Credit management, assessment mode to intensive, fine, quality and efficiency on the excellent transition, but also take into account the effective management of credit risk. Therefore, under the increasingly fierce competition, how to effectively improve the credit business processes to improve efficiency and risk prevention and control capabilities become the focus of the transformation of various commercial banks content.As the regional economy of Inner Mongolia Autonomous Region is dominated by energy and economic development, especially in the coal industry, the CBRC has imposed strict quota management on the "two high and one surplus" thermal power generation, leading to a rapid decline in the development of upstream and downstream industries. The coal market suffered the most serious setback, And thus seriously affeet the overall quality of credit assets. In the face of the increasingly severe risk of asset quality deterioration, ICBC Inner Mongolia Branch has implemented the credit business operation supervision has been exposed to weak links, link flow time-consuming, supervision efficiency and risk prevention and control of inadequate. Therefore, it is of great practical significance to study the improvement of operational supervision to adapt to the requirements of financing development under the new economic norm.This paper takes the Inner Mongolia Branch as an example, analyzes the present situation of the operation supervision and explains the existing problems, and reconstructs the credit flow according to the circulation order and the frequency setting. And finally improve the operational supervision from the functional level, operational level and incentive level. And provide an innovative way for banking transform.