Research On Credit Managerial Optimization Of Taking Targeted Measures In Poverty Alleviation Of Ji' An Rural Commercial Bank

Along with the state's attention to the current precision poverty alleviation work,financial precision poverty alleviation is also accelerating.Facing the historical mission and great political significance,the local commercial banks take the important responsibility.Under the guidance of national and central bank policies,commercial banks launched a lot of credit in the field of precision poverty alleviation.However,faced with this emerging credit product,there is a significant difference between the way of credit management and traditional credit management.How to do well the credit management of poverty alleviation in the new situation is a topic highly concerned by the theorists and practitioners of higher education.This paper adopts the method of literature analysis,comparative analysis,survey analysis,analysis of the current credit management in precise poverty areas,existing problems and contradictions of Ji'an rural commercial bank.Through the analysis of the actual situation in the aspects of capital delivery,performance assessment,staffing and policy application,the existing problems and reasons are fully analyzed.At the same time,according to the actual situation,put forward the corresponding optimization ideas and countermeasures,to solve the current problems to provide a reference basis.This paper is divided into six parts.Chapter one introduction: introduce the research background,this paper studies the purpose and significance of the existing relevant research results and literature at home and abroad were summarized,at the same time elaborated the paper research idea,structure and research methods.The second chapter is the relevant theoretical basis,including the core concept of the thesis and the theoretical basis of two supporting papers.Third ZhangJiAn agri-businesses precision bank credit for poverty alleviation management present situation analysis,including giancarlo agri-businesses bank development localization and in precise and approve on the management,credit management for poverty alleviation management,staff management,policy,use of the status quo,to the back of the optimization measures and solution provides the basis.Fourth ZhangJiAn precision farming business bank credit management problems and the reasons for poverty alleviation analysis,based on some of the problems existing in the current credit management and related business data,deeply analyze the causes of the problem and the background,combined with the current policies and management guidance,the conclusion was reached based on the analysis of data and facts.The fifth chapter is the optimized measures for the management of poverty alleviation credit.According to the above mentioned problems and reasons,the optimization measures in terms of post-loan management,credit delivery,staff management and external management are put forward according to the actual situation.The sixth chapter is the conclusion.According to the research,the existing precise poverty alleviation credit management of jiannongshang bank mainly has the following problems: first,the credit delivery rate is slow;Secondly,the performance incentive of credit staff engaged in this line is insufficient;Third,the business approval process and mechanism of the bank cannot meet the current market demand;Fourth,the post-loan management measures are not effective.The reasons are as follows :(1)there is a single line of business outlet marketing channels,and there is no effective identification of target customer groups;(2)the product is still referring to the traditional standards in the performance assessment mode and the review and approval process,and fails to effectively integrate with the actual situation;(3)there is a certain slack in the management of the relevant staff after the loan,which fails to carry out the detailed management of the business;(4)subjective reasons such as lack of awareness of middle managers,staff training and inadequate learning.Based on the above reasons,it is suggested to optimize the current targeted poverty alleviation credit management of the bank of jilin.Generally speaking,it is necessary to optimize credit management in terms of performance appraisal,business examination and approval,employee education and other aspects according to the existing market environment and product features.First,expand marketing channels according to market demand;The second is to re-calculate the unit price and improve the incentive effect;Third,optimize the approval process and improve the efficiency of credit review and approval;Fourth,we should take certain measures to strengthen post-loan management and ensure the implementation of risk prevention and control.Through optimal gian bank precision existing poverty alleviation of credit management,improve the marketing staff's work enthusiasm,to adapt to the current increasingly fierce market competition environment,and the realization of ultimate control strategy and business objectives.