Research On The Process Optimization Of Corportate Credit Review In Bank Of Luoyang

The joint-stock bank is the basis for the development of China's financial industry,is the main force to promote the social and economic development.With the deepening of the market economic system,the competition among banks is more intense,and the bank's marketing risk is also more prominent.In the new financial environment,joint-stock commercial banks how to do corporate credit business,on the one hand to rely on credit assessment process to avoid risk.On the other hand,to optimize the corporate credit review process,accelerate institutional innovation and product structure optimization,so as to enhance the competitiveness of the bank.To enhance the ability of bank corporate credit,is a joint-stock banks to reduce operational risks in the new market environment,the main way to achieve operation system,customer manager,product manager,marketing system innovation and marketing capabilities.Firstly,this paper introduces the concept,basic theory and main content of the legal person credit review process of the joint stock commercial bank.Secondly,according to the status of the process of credit evaluation of Bank of Luoyang Corporation,analyzes the bank in corporate credit in the process of practice,what are the steps to get what results do a simple review;followed by analysis of the main problems,the line of corporate credit review process such as: process cumbersome,slow speed,close to the market decision low level,low efficiency and so on,long approval process.And then through the internal and external environment,industry environment and analyzes the causes of the problem and then through the introduction of quantitative analysis and qualitative analysis,according to the Bank of Luoyang corporate credit evaluation process optimization,pointed out that the implementation of corporate credit assessment process reengineering of the driving factors,innovative ideas,comparison and optimization plan and implementation path.Finally,this paper puts forward some strategies to optimize the implementation of corporate credit process from the aspects of innovation,combination,differentiation,service,promotion,customer and so on.