Research On The Authenticity Verification Of Corporate Customer Credit Business At H Branch Of Agriculture Bank Of China

At present,China's economic slowdown continues to slow,especially the northeast economic downturn,coupled with China's financial reform,interest rate marketization close to ending,the Agricultural Bank H branch now and in the future for a period of time will be faced with narrowing spreads,the more fierce market competition,weak growth performance management environment;On the other hand,due to the implementation of verification of the authenticity of the H branch of the corporate credit business is not in place,uneven credit personnel ability,causes the design of credit process defects,bank executives and loan officers are still based on subjective judgment,and performance pressure to make credit decisions case,resulting in credit risk,the bank non-performing loans remain high,especially in the past one or two years,by the external environment and internal management deficiencies and other reasons,H Branch corporate client loans NPL ratio and the amount of loans double up,bring financial losses to the H.The credit business is the core of corporate customers of bank risk control,and to verify the authenticity of the credit business is the foundation and guarantee for sustainable and healthy development of credit business of corporate customers.In the effective external resources of sluggish growth,the internal quality of assets the inflection point in the case,H managers must pay attention to corporate customers to verify the authenticity of the credit,and improve the corporate customers to verify the authenticity of the work,analyze the internal and external potential and on the bank's corporate credit business,Conduct internal and external potential analysis,maintain the stock of loans,strictly and effectively utilize incremental loans,control the credit risk of banks,and continuously improve their performance.credit business to verify the authenticity of the work in the effective credit customer marketing,improve the quality of credit assets,prevention and control Areas such as credit risk play a better role.In this paper,"questions analysis logical thinking problem solving the problem",conducts the research to the Agricultural Bank H Branch corporate credit business to verify the authenticity of the work.The general situation of thestatus and management of H branch of corporate credit business based on the combination of specific cases of the existing credit business,analyze and summarize the shortcomings of H for corporate customers to verify the authenticity of the credit and reasons of the trial from the development of verification template,improve the verification mechanism,clear check points,using the analysis method to reveal four aspects put forward the improvement measures of credit risk to verify the authenticity of the work.At the same time this paper from remodeling "compliance prudent" credit culture,strengthen credit team construction,the implementation of the new accountability mechanism,strengthen credit policy implementation,strengthen the construction of risk monitoring and inspection system,to strengthen the six aspects of operational risk prevention and control is analyzed to verify the authenticity of the credit guarantee business,and to define the credit culture,credit the team,the concept of accountability mechanisms,combing the remodeling of culture,construction team,implement the responsibility to strengthen the implementation of specific measures,strengthen risk monitoring and operating risk,so as to verify the authenticity of the credit business work smoothly escort.