The Research On Company Credit Approval Management In Jiangxi Branch Of C Bank

With the further development of market economy,more and more foreign banks and share-holding banks enter into the market.Chinese commercial banks have begun fierce market competition.Domestic commercial banks face not only complicated market environment,but also fierce competition and stricter regulatory requirements.Therefore,the market share competition is increasingly fierce.For commercial banks,the balance between business development and risk control is a classic and eternal subject.Commercial banks should not only develop business,but also ensure that business risks are under control.Because,only if risk controls are in place can the bank business achieve long-term and sustainable development.And among the commercial bank business,the company credit business occupies the most important position.The long-term stability and sustainable development of the company credit business plays an important role in the stability of banks.Therefore,to improve the level of the bank's credit approval level is a prerequisite.This article is based on the author's years of experience in the bank.Firstly,through the study of literature,this paper introduces risk management research results and main theoretical knowledge,and then analyzes the current domestic and foreign banks' company credit business approval model.Secondly,based on Jiangxi branch of C bank as the research object,through the internal bank data collection,demonstration and research,this paper analyzes the current situation of company credit business in Jiangxi branch of C bank,current situation of credit business approval management.Then combined with the specific case,the paper analyzes the problems and causes of the company credit business approval management of C bank.In order to solve the problems,the main innovation of this paper is to try to put forward suggestions and measures from the aspects of admittance and assessment of credit approval staff?the management of credit approval authority?the application of parallel operation mechanism?the standardization of credit approval requirement and the establishment of closed loop management.This paper aims to provide certain practical significance on how to improve the credit business approval quality,improve the risk management level of company credit business,and improve the market competitiveness of the bank.At the same time,we hope that the above research can not only improve the problems of Jiangxi branch of C bank,but also provide some reference to the company credit business approval management for all commercial banks.However,due to the particularity and limitation of economic development?financial system and credit system in China?and the individualization of commercial banks in China,the suggestions and measures provided in this paper can not solve all the problems existing in the approval management of company credit business.How to improve the profession and independence of the approval staff;how to establish a more forward-looking risk management system and better realize the closed-loop management of the whole risk management process;how to set up more precise and effective authorization system;and how to guarantee the independence of the approval staff effectively and how to prevent the managers' business impulse and short-term behavior after the decentralization,these are the future research direction.