H Commercial Bank Credit Management System Improvement Program Research

Credit management is the core link of traditional credit business and credit innovation business.It is the premise and basis of the implementation and implementation of credit business.General credit covers loan review and approval process,including the commercial bank loan business plan design,the choice and decision stage,the goal is to control the loan risk in bank within an acceptable range,makes every effort to avoid do not conform to the requirements of the credit and the credit behavior may result in bad loans.The credit management system of commercial Banks in China began in the 1990s,from scratch to perfection,development,perfection and optimization.Commercial Banks as the research object,this paper will with H combined with relevant credit management related theory,using the method of questionnaire,to analyzes the management status of credit of commercial bank in the H,dig the existing problems,such as:grant on low efficiency,high return rate,lack of accuracy and the examination and approval conditions to carry out the risk judgment does not reach the designated position,etc.,through to the internal data collecting and sorting,by questionnaire,analyzing the causes of the formation of problems.Based on the research of the domestic and foreign literature,transverse and longitudinal comparison,draw lessons from his line of credit management system model and the risk prevention and control experience,combined with the actual situation of commercial bank H,in view of the problems put forward "establish the evaluation system improvement,shorten the credit review process"."Promote standardized improvement of business reporting and improve the quality of delivery";"Improve the information management platform and strengthen the credit line control";"We should build a serious accountability mechanism,improve risk prevention awareness" and other improvement programs,and formulate corresponding safeguard measures.Finally,the paper gives the conclusion of the thesis and the problems that need further study.Research conclusion of this paper to solve the problem existed in H commercial bank credit management system,improve the level of credit management,optimization of risk management system,improve before,during and background management efficiency,strengthen the comprehensive management ability of assets in a more positive practical significance has important practical significance.