Research On The Management Of Credit Archives Of M Commercial Bank

Over the past 40 years of reform and opening up,China's socialist market economy has made rapid progress.The development mode of China's economy has gradually entered a new stage of scientific socialism.Modern economy requires coordination between growth and development.Financial industry is an important part of national economy,and commercial banks play an important role in the development of financial industry.Since the reform and opening up,China's commercial banks have sprung up like mushrooms.At the same time,the scale and number of commercial banks are also increasing.Commercial banks play an extremely important role in the development of national economy.The loan of commercial banks is an important traditional business of commercial banks,and the loan will produce credit archives.Therefore,the management of credit archives of commercial banks is an indispensable and important management work in the management of commercial banks.Under the current economic situation,it is required that economic growth slow down,economic sustainable development and economic scientific development.Although the management of credit archives of commercial banks has developed to a certain extent,but for the commercial banks "pursuing economic interests",the general concern is low.The management of credit archives of commercial banks has not met the requirements of the new economic model of modern China,and it is urgent to update the management mode of credit archives.The modern economy has put a severe test on the reform and transformation of enterprises.When the economy is in a downward period,it will have a greater impact on enterprises.Some enterprises do not adapt to the new situation of the modern economy,resulting in difficulty in operation and inability to repay the loans of commercial banks,leading to the rise of the non-performing loan rate within commercial banks.The specialty of the credit archives of commercial banks determines the particularity of the credit archives.The credit archives record the important information of loans,and are the reference basis fordeciding whether to extend credit and internal and external inspection.At the same time,the original voucher function of the credit archives plays an important role in dealing with financial risk cases,cracking down on financial crimes and safeguarding the self-interest of commercial banks.Starting from the understanding of the credit archives of commercial banks,this paper starts from the understanding of the credit archives of commercial banks,gradually introduces the definition,types,characteristics and functions of the credit archives of commercial banks,and further studies the current situation of the credit archive management of M commercial banks to find out the lack of understanding of the credit archive management,the unsound working system and the potential value development Sufficient,low level of electronization,insufficient investment in human and material resources,lack of scientificalness in the reference of the archive outsourcing company,etc.and focusing on the problems in the credit archive management of M commercial bank,this paper puts forward corresponding countermeasures and suggestions for the credit archive management of M commercial bank.