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Research On The Credit Management Of Small And Medium Sized Enterprises In M Commercial Bank

Posted on:2018-10-03Degree:MasterType:Thesis
Country:ChinaCandidate:P Y LiFull Text:PDF
GTID:2359330521950183Subject:Business Administration
Abstract/Summary:PDF Full Text Request
The post loan management is the main part of the current bank risk management,and it is also an important means for commercial banks to prevent credit risk.On the post loan management related to the bank itself to a large extent to enhance the bank's ability to prevent risks and specific management,the bank's own development is of great significance.This is mainly through the specific data at home and abroad,through the development of the existing financial industry post loan management and research,development and management on the basis of M commercial bank specific loan and presented the problem on the line of inquiry,which points out the improvement measures and optimization of specific management M bank loan after the program.This paper mainly research that the current M bank for small and medium-sized enterprise loan management exist in the process of management,ineffective management methods and backward management inspection and management team in the low overall quality of the investigation,but also pointed out that the current M deposit in the main reason for these problems is to loan management awareness not enough,which leads to the management system itself is not perfect,the information communication between commercial banks and small loan companies is not timely,professional personnel and lack of management after loan.At the same time,according to the relevant research data,the specific implementation of management system of development and management of the content from the M commercial bank SME credit business loan,loan management and measures of these three aspects to take concrete corresponding attack.In the aspect of system design,the paper mainly introduces the design of the post management parallel operation system,the risk assessment system,the internal inspection system and the corresponding verification system,the post loan risk early warning system and so on.At the same time,in terms of content design,this article according to the current development of M bank's proposed vertical management,through the current credit risk management information system and constantly improve and perfect,to strengthen the management of day-to-day supervision after loan.In the security measures,the paper points out that through the construction of the management system,but also need to promote to build the late management team,but also combined with the specific situation of the development of the market to determine the appropriate interest rate.In this paper,it is pointed out that the current M commercial banks in the SME credit business management process,mainly through the improvement of the post loan management system,and then assisted in the development of effective measures to ensure the effective implementation ofthe policy.It can continuously enhance the amount of M bank SME generation management ability,and further push to ensure precise management after the loan,in order to enhance the competitive ability development of M bank commercial loan management,to ensure that M banks can ensure effective continue development.
Keywords/Search Tags:Commercial bank, small and medium-sized enterprise credit business, post loan management, system design, content design
PDF Full Text Request
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