Research On Optimization Of Highway Loan Project Management Mode Of J Commercial Bank

Under the background of China’s economic development entering a new era,the gradual deepening of interest rate marketization reform and the quickening pace of traffic construction,this paper combines project selection theory,project group management theory and customer loyalty with J commercial bank’s phenomena of investment exceeding budgetary estimate,project postponement and traffic flow not reaching expectation.The theory,taking the highway loan project management as the object,connecting with the national conditions of the development of China’s banking industry,drawing lessons from domestic and foreign research results,combined with J commercial bank’s highway project loan practice for many years,carries out an all-round systematic research with the construction of J commercial bank’s highway loan project management mode as the core.This paper mainly adopts the research methods of combining theory with practice,combining qualitative analysis with quantitative analysis,combining comparison with empirical analysis.Based on the theoretical basis of highway loan project management,this paper expounds the concept and characteristics of J commercial bank’s highway loan project management,and enriches the theory of highway loan project management.The connotation.At the same time,this paper compares the management modes of Expressway loan projects at home and abroad,and puts forward the main problems of J commercial bank about expressway loan modes,and analyzes the concrete reasons,and demonstrates the necessity of optimizing the management of Expressway loan projects of J commercial bank.On this basis,this paper constructs a symbiotic project management model,which takes the main body of the loan as the core,the systematic target management,the comprehensive process management and the dynamic control management as the operating mechanism,and combines the financing system,the information sharing system,the product mix system and the marketing incentive system in an all-round way.The implementation measures and management suggestions of symbiotic project management mode for Expressway loan project.The optimization of J commercial bank’s highway loan project management mode is helpful to improve the operation ability and management level of J commercial bank’s loan project,promote the steady growth of J commercial bank’s performance,realize the win-win situation of J commercial bank and customers,and realize value creation.It is also important for similar commercial banks.