Analysis The Efficiency Of The Loan Officer In Commercial Banks

At the 18^thNational Congress,it is proposed to continue to deepen reforms and promote rapid economic development from high-speed development to high-quality development.As an important part of economic development,China's commercial banks must also work hard to improve the efficiency of their credit operations and provide financial assistance to more enterprises or individuals.However,with the rapid development of credit business,the financial risks brought by the rapid development of credit business are increasing.The leverage ratio of Chinese residents has been rising year by year.Both enterprises and residents are in a state of high debt,resulting in a rise in the non-performing loan ratio of commercial banks and credit efficiency.Lowering not only causes losses to the banks,but also affects the healthy development of the real economy.Therefore,it is urgent to increase the credit efficiency of commercial banks.Under the new financial supervision,it is proposed that all citizens lower their leverage to ensure the safety of credit funds.This article from the micro level,the effective assessment of the credit officers,and study the factors affecting the efficiency of the loan officer,and promote the overall healthy and rapid development of the banking industry credit business.From the macro perspective,the main impact indicators of bank credit efficiency are loan size,asset quality,risk control ability,and profitability.This paper studies the efficiency of individual loan officers and cannot obtain profitability indicators.Therefore,from the above scale of loans,The asset quality and risk control ability select the appropriate indicators for the efficiency analysis of the loan officerIn the data sample provided by A commercial bank,first select the evaluation index of work efficiency,which is divided into management loan size,asset quality,and risk control capacity.The corresponding indicators are:number of effective customers,loan balance,timely repayment rate,and more than 30 days.Risky loan rates and risk loan rates greater than 1 day.Then the whole sample is divided into three levels through system clustering.According to the core index loan balance and the timeliness of repayments in the credit business,credit workers are divided into senior loan officers,intermediate loan officers,and junior loan officers.Then a multi-level Logistic regression model was built to calculate the parameters of the four variables through the maximum likelihood estimation.This model was used as a basis for credit personnel's efficiency evaluation,and was used as a commercial bank's assessment for credit workers and for loan officers.Dial to help.By dividing the sample into three levels,the average entry month for junior credit loan officers is 19.4 months,which is significantly lower than the entry month for middle-level and senior-level loan officers.The entry month for middle-level and senior loan officers is mainly concentrated in more than 40 months..A mature credit officer needs to grow over a longer period of time.Therefore,in the selection and training of credit officers,it must be ensured that the credit officers can remain in the banking institutions stably.Therefore,in the selection of loan officers,their stability must be considered.Among the two indicators of early repayment rate and overdue rate,the distinction between the junior and intermediate loan officers is not large and almost equal,which means that it is not suitable to distinguish between junior and intermediate loan officers in these two indicators,but advanced In the post-loan management,loan officers are superior to junior and intermediate loan officers.Therefore,we can determine the rank of the loan officer only through simple employee attribute indicators and post-loan management indicators.We can first consider the entry month and meet the employees after 19.4 months.We think that they will grow into a senior and middle class loan officer.Then the distinction between the senior and middle class loan officers can be analyzed from the post-lending management.Usually,the overdue ratio and the early payment rate are selected to distinguish one from the other.