| With the deepening reform of China’s economic structure and the increasing maturity of the financial market,the main development trend of commercial banks is the transformation from the traditional credit model to the unified credit structure.The credit business,as basic one,is also a comprehensive reflection of all other banking business.At present,most commercial banks have invested a lot of resources in the development of the intermediate business,whose income is not from interest.But,if the intermediary business is re-examined on the basis of credit business structure,most of it belongs to the credit business,or is a direct extension of credit business.In other words,without credit business as a foundation,a lot of intermediary business would be out of the question,and discussing the intermediary business alone is meaningless.In terms of the surface meaning of credit business,it seems as simple as banking funds or other forms of credit to customers and recovering the principal and interest after a certain period of time.However,the future is uncertain,the market always change constantly,the principal and interest may not be recovered in time.Thus,the bank’s risk is generated,requiring the bank to prevent and control the risk and strictly managing the credit business.In recent years,although the credit management system in China’s commercial banks have been advanced,the management level has also rose.Overall,the current credit management system in commercial banks is not perfect,the level of management is also uneven,especially in some small and medium sized banks,whose attitudes toward credit business are more conservative.The main reason is that the capability of small and medium banks to resist risk is weak,and requirements of credit business management are relatively high.Once the management is not in place,it is easy for those banks to suffer losses and stop developing.Moreover,the domestic economic situation at the present stage is not clear,the banking development is blocked,non-performing loan ratio in commercial banks maintains a high level.Keeping balance between the effective management of credit risk and finding new profit growth point is one of the most important challenges facing the commercial banks.In order to put the theory into practice,to achieve the goal of prevention and control of risk and the development of credit business,the study of how to modify the credit business process in commercial banks has become the top priority.Firstly,this paper summarizes the the relevant theories on credit business process,and describes the work contents,main theories,current credit policies,other problems briefly.Then,this paper describes the credit business of the Laishang Bank,focusing on the core business process of the bank(the credit business process).This paper introduces the current implementation of the Laishang Bank,credit business,analyzes the problem and then makes some recommendations for the development of the bank in the next step.This paper combines theories and practical examples from business process in other banks,and solve many problems in the Laishang Bank at the same time.Banks should not only improve the efficiency of credit business process,the economic benefits and the satisfactory degree of consumers if they want to be at a dominant position. |
