ZX Bank Shaoxing Branch Pre-loan Investigation Risk Control Research

The pre-loan investigation is the "the first line of defense" of the credit risk management of commercial banks,which is the most critical and effective part of the risk prevention and control.As far as the actual situation is concerned,the lack of pre-loan investigation in commercial banks is widespread,and directly affects the survival and development of commercial banks.Improving the quality of pre-loan investigation and enhancing the ability of credit risk identification and evaluation are of great importance to the improvement of the current situation of credit risk prevention and control in commercial banks.Pre-loan investigation is actually a process of collecting,integrating,analyzing and transmitting information about lenders and other related information by account managers,so as to reduce the asymmetry of information between debtor and creditor.Comprehensive and accurate information acquisition and non-destructive transmission within commercial banks are the key to favorable results of pre-loan investigation.Based on the basic theory of information economics,this paper makes a deep analysis on the pre-loan investigation of ZX bank Shaoxing branch.It is considered that the bank's pre-loan investigation system and normative standards have been relatively sound,however,the mechanism of incentive and restriction is not perfect,and the implementation of the system and specification is not in place,resulting in many problems in the investigation of the bank's pre-loan.on the basis of this analysis,this paper puts forward targeted improvement schemes: effectively reducing the cost of pre-loan investigation information,promoting the income of investigation input;improving the incentive mechanism,enhancing the cost of violations,strengthening the assessment guidance;optimizing the mechanism of investigation and restraint,strengthening the rigidity of system execution,improving the quality of pre-loan investigators and backstage support,etc.It further put forwards the concrete implementation plan and supporting measures.Due to the universality of pre-loan investigation and the typical sample of ZX bank Shaoxing branch,this paper has a good reference significance for commercial banks to improve the quality of pre-loan investigation and enhance the market competition ability.