Research On Optimization Of A Bank Huinong Loan Business

Xi general secretary in 2013 for the first time put forward the concept of precision for poverty alleviation,to 2020,has reached the crucial runoff years out of poverty,to fully implement the party’s 19 th and 19 fourth plenary session of 2,3,spirit,continue to perform well implement financial poverty alleviation work A series of measures,A bank controlled field of poverty alleviation of responsibility,the financial poverty alleviation work plan in place.As the big data,the use of new technology means such as Internet,finance,science and technology,2017,A bank loan business comprehensive peasants from offline to online,A bank in the corresponding e after loan business online has obtained certain achievements,but in A new business system in traditional financial services and also exposed A series of problems,therefore,based on A bank loan business based on the empirical analysis of the peasants,discovering problems,combining with the advanced experience of domestic and foreign Banks,on the basis of exploring raise A series of corresponding bank loan business management,The following conclusions are drawn:The problems with A bank loan business including: business development capability is not strong,favorable loans and loans,lack of effective integration between various business loan client white list management is not standard and some corresponding loan business irregularities.The main reasons leading to the problems in Huinong loan business of Bank A include: relatively insufficient financial employees and technical force investment,lack of interconnection and sharing of data of application system of Huinong loan business,imperfect system and model of huinong loan business,and imperfect risk control and control system of Huinong loan business.In view of the problems,the optimization strategies for improving the management of Bank A’s huinong loan business are put forward from the aspects of strengthening the personnel and technical support of Huinong loan business,realizing the common interconnection of Huinong loan business system,perfecting huinong loan business system and risk control system and perfecting Huinong loan business risk control and control system.The research in this paper has certain pertinence and practicability,which can effectively improve the management level of A Bank’s Huinong loan business.At the same time,under the background of big data era,an effective scheme is proposed for the stable bank of Huinong loan business of Bank A.