Research On Pre-loan Management Of Commercial Banks

Credit risk management is the core business of commercial banks.At present,the proportions of non-performing loan are generally high among domestic banks and credit risk became the main financial risk which the commercial banks are facing.Whether a bank could exist in keen competition depends on its ability to manage credit risk,which is the reason why commercial banks consider enhancing credit risk management as an urgent task.In the new loans of domestic commercial Banks,the most difficult to control is the guarantee mode of credit loans and credit loans,which are more uncertain than the project financing loans.There are also more human factors in the control of the credit line of bank personnel.This paper intends to find out the problems in the pre-loan risk management of financing through a bank's subsidiary financing case which is guaranteed by the listed parent company,analyze the reasons for the problems,explore the experience and methods of the pre-loan risk management of commercial Banks,and give Suggestions on the pre-loan risk management.This article first focus on the domestic and foreign literature on commercial bank risk management,and emphatically discusses the types of commercial bank credit risk,the causes of risks and the existing study on commercial bank credit risk management of documents,the special study in-depth analysis of the credit approval system,understand the current problems of commercial bank credit approval system and existing recommendations.This dissertation is based on a real case concerns one electrical machinery and equipment manufacturing industry corporation,description including key points in credit analysis,credit risk and loan advantage analysis.Through the analysis and discussion,amply introduce debtor's finance information,financial status,credit demand and solutions in turn.Then,it analyzes from three aspects: whether bank M should lend money to company Z,possible problems and reasons in the process of lending,and possible problems after lending;Finally,the practical problems encountered in this case credit extension are summarized.In view of the lack of actual credit cases in the professional industry research and investigation before this,I willfocus on analyzing and dissecting the defects in the preparatory stage of the loan after the credit assessment of the debtor,the estimation of the loan amount that can be granted by the corresponding credit,and the later management.Simulate the whole process of credit risk management,dig out potential defects and risks,consider the past successful or failed experience,and review the standard of granting credit limit.