Research On The Pre-lending Risk Management Of Corporate Credit Business By The LC Branch Of China Construction Bank

In recent years,affected by the macroeconomic downturn,some enterprises have difficulties in production and operation,the risk of credit fraud has risen significantly,and the pressure on the quality of bank credit assets has continued to increase.Bank institutions pay more and more attention to credit management,as the most important part of credit management,pre-loan management is particularly important.Pre-loan management is an important process of credit management,which is not only the basic basis of customer choice and credit decision,but also the important premise of preventing credit risk and ensuring credit asset quality.Along with the economic and financial situation is very complicated,commercial Banks face the credit risk situation and the future direction there is a lot of uncertainty,with the domestic study of bank credit risk management has gradually increased,but most of the research focus tendency all over the risk management,internal control,risk assessment,etc.,in view of the credit loan before the survey link in the process of the research is to explore space.Before based on the current credit risk management,credit control,such as the existence of the status quo and theoretical achievements,with construction bank loans before the link in the credit management of LC branch as the example,through example analysis,the case before the loan management of each link research and analyze the problems,and combining with the current domestic and foreign advanced credit risk prevention and control theory and research results,study concluded that:(1)LC branch credit to concentration is higher,the risk customer industry is relatively concentrated,guarantee circle risk spread;(2)some links in the pre-loan management of LC branch appear loopholes,which lead to the customer's risk exposure and later move,and mislead the link between the loan and the post-loan;(3)credit personnel,as the carrier of management,determines the quality of risk control,which reflects the shortage of credit personnel in quantity and quality in LC branch.In order to solve the pre-loan management objectives of the LC branch of China construction bank to proactively arrange risks and reasonably select risks,this paper summarizes from the aspects of information collection,credit structure,market judgment and customer monitoring.From the perspective of China construction bank,the principles and methods of pre-loan management and control of credit management are explored,and copied and promoted to provide countermeasures for solving the problems of pre-loan risk management and control of China construction bank,and to provide reference for other commercial Banks to establish effective pre-loan management.