| The competition among joint-stock commercial banks which belong to service industry is increasingly intensified in a time of financial institutions springing one after another and financial products homogenization.Real estate mortgage loans can not only revitalize enterprises' and personal assets but also increase the market and private investment.Meanwhile,commercial banks can effectively prevent the risk of real estate mortgage loans,which has become one of the mainstreams of joint-stock commercial banks loans.As a deriviation of real estate mortgage loans,simplified loan focuses on the industries closely related to people's livelihood and public consumption and set clear business goals and promotion steps according to the characteristics of regional economic and characteristics of the industry.It aims to promote small enterprises quickly and easily access to finance,to promote standardization and factory operating mode,to expand customer cooperation opportunities and levels,and to promote the development of small enterprise credit customer group.At the same time,it effectively drives the development of credit business by approving credit lines reasonably according to the scorecard of the customers' actual operation condiction and risk essence,which actively contributes to the rapid and effective bank-enterprise cooperation.Based on the practical work and the knowledge of project management communication in daily study and work,this paper analyzes the specific cases of XIB Bank in the "simplified loan" project,summarizes the communication mode,the structure and the process of the "simplified loan" credit project,and put forword corresponding views on the conflict management in the communication process and views on internal daily management of joint-stock commercial banks,which has a certain inspiration on the communication management system of credit projects of joint-stock commercial banks. |
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