Research On The Credit Management Problems And Countermeasures Of Zhengzhou Branch Of PF Bank

Corporate credit business,as one of the most core business types of Banks,is a complete process from the marketing process in the early stage,to the pre-loan investigation,the approval in the loan,the issuance and the post-loan duration management,which affects the overall quality and efficiency of bank credit business.In the different stages of the whole credit management,it involves the participation of different line departments,managers and examiners of the bank,entrusts different responsibilities,forms different files and various data,and contacts with different external customers or institutions.In this week,the bank may suffer losses due to market risk,credit risk,operational risk,reputation risk,compliance risk and other risks caused by the wrong guidance of relevant policies and systems or the violation of operation.In this week,the macroeconomic situation and the management measures of various regulatory departments of commercial Banks all affect the operation mode and final decision of different links.Therefore,in the current management process of domestic commercial Banks,credit business management is always managed as an organic whole,and targeted and hierarchical control is carried out for different links,departments and personnel in the management,so as to form a whole process management mechanism.In this paper,scholars at home and abroad on the improvement of bank credit management related to the study of PF bank zhengzhou branch of corporate credit management as the object,PF bank zhengzhou branch of corporate credit management problems and countermeasures are studied.The paper is divided into six parts.The first part is the introduction,which briefly introduces the research background and significance,and explains the necessity and urgency of commercial Banks to improve corporate credit management in the current market environment.The second part of PF and PF bank made a brief introduction to the basic situation of the zhengzhou branch,and analyzes the PF bank,zhengzhou branch current development status and trend of credit business,lists the existing Settings and responsibility of the company's credit management,and introduces in detail the basic steps of credit management and points out the PF bank,zhengzhou branch companiesneed to improve the credit management to support the further development of the company;The third part expends the existing problems in credit management in zhengzhou branch of PF bank from three parts: pre-loan management,in-loan management and post-loan management,and points out the adverse consequences caused by these problems.The fourth part puts forward the concrete improvement countermeasures to the above problems.The fifth part puts forward the safeguard measures for the improvement from three aspects: culture construction,science and technology construction and manpower construction,so as to ensure the smooth implementation of the improvement measures.The sixth part puts forward the conclusion and the prospect,provides the thought for the further research.This paper has certain significance in both theory and practice.Theoretically,it improves the applicability of case study method to explore the improvement of bank credit business management under the current background.In practice,the study of this paper can provide reference and inspiration for other Banks to improve their credit business management.