The Efficiency Of The Loan Review Of Y Bank

With the econom ic globalization,China' s financial institutions are not only opening up but also beginning to go abroad,while China' s real economic downturn has not reversed.W ith the m arketization of interest rate and the ris ing of Internet finance,the competition of domestic commercial banks is much more fierce.With the emergence of credit risk,the bad pressure on the bank is increasing,the financial industry is facing more severe risk situation.Banks are taking all kinds of measures to reduce bad assets.In this context,the efficiency and risk control of banks has become a matter.Bank risk control is a f ull participation process,as the last link of the risk control,the credit center plays a vital ro le.Based on the above analysis,this paper mainly takes the ef ficiency and the problem of loan review as the main research content.This paper takes Y bank's loan review as the res earch object.Th e paper summarizes and classifies the factors that affect the efficiency of loan review.On the basis of qualitative analysis,the analytic hierarchy process was used to analyze th e weight and importance of each influencing factor.Combined with the results of AHP,through the case analysis and Y bank loan management problems,the paper strive to solve these problems,in order to improve the lending efficiency.Quantitative analysis is based on AHP.The paper use AHP to deter mine the weight of nine factors that af fect the efficiency of lending.The results of the sorting from high to low are 45.14% of the integrity of the credit information,15.25% of the guarantee measures,10.37% of the experien ce of the client m anager,8.54% of the experience of the loan audito r,6.5% of the credit before the im plementation of the account,5.49% of the com prehensive quality of the client m anager,3.64% of the comprehensive quality of the loan auditor,3.25% of the credit varieties,1.82% of the credit file.The integrity of the credit information has a great impact on the efficiency of the loan review,and it is nec essary to improve the integrity of the credit information.It is necessary to strengthen the training of the account manager and the loan auditor in order to im prove the efficiency of the loan review and strengthen the credit risk prevention and control ability.