Research On Credit Management Of NF Bank W Branch Of China

China is a big country in the grain industry,and the grain issue has always been one of the issues the country attaches great importance to.NF bank of China,as an agricultural policy bank,has always been playing its role in the rural financial market,providing support and assistance to agriculture and rural economy.However,with the constant changes in the national financial market,NF bank of China is still providing traditional financial policy services,which are highly dependent on government finance.In recent years,NF bank of China has been carrying out continuous business innovation and reform.On the one hand,it continues to play the function of policy bank,and on the other hand,it keeps developing new business,trying to keep up with the pace of changes in the domestic financial market.As a branch of NF bank in China,W sub-branch also actively responds to the call of the head office and constantly carries out business innovation,especially the credit business which occupies a leading position in the bank.The development speed of credit business determines the development speed of a bank,the profitability of credit business determines the profitability of a bank,and the risk status of credit business determines the risk status of a bank.Therefore,the main research issues in this paper are to ensure the sustainable development and innovation of W branch's credit business and to improve the management level of W branch's credit business.This paper takes W branch of NF bank of China as the research object.First of all,this article has carried on the elaboration to loan business,mainly including the basic elements of loan,loans and loan process,and further the characteristics and the types of policy loan business are introduced,and the theory-the customer segmentation theory,this paper used the business process optimization theory,a comprehensive risk management theory are expounded.After,this paper W branch has carried on the summary,and using the data of W branch credit department business present situation has carried on the detailed introduction,mainly introduced the existing credit business process,the types and interest income situation,through the collection and analysis,put forward present problems of the W branch credit department business,mainly includes: loan process trival,loan structure of a single,loans such as lack of flexibility,and from two aspects of internal and external analyses the forming causes of the problem.After that,this paper puts forward the overall framework of W branch's credit business development,and puts forward the relevant strategies of W branch's credit business management optimization from the three aspects of proper simplification of business process,optimization of loan structure and strengthening of post-loan management.Finally,in order to ensure the effective implementation of W branch's credit business management strategy,this paper puts forward specific guarantee strategies from three aspects: personnel guarantee,system guarantee and organization guarantee.