Research On Optimization Of Examination And Approval Process Of Corporate Credit Business Of H Bank

With the continuous development of China's economy,commercial banks as a blood transfusion station of the real economy,financial support to the real economy has been raised to a higher and higher position.On the one hand,the development of real economy can not be separated from the support of commercial banks;on the other hand,as the main body of the market,commercial banks are facing the needs of survival and development and fierce market competition.On the premise of controlling risks,they can not be separated from high-quality real economic customers to improve market share,obtain reasonable income and achieve stable development.The poor quality of credit business will seriously erode the income of commercial banks in high-quality customers,and good risk control can guarantee the steady development of business.At present,the real economy is facing downward economic pressure and increasing operational and financial risks.Commercial banks should not only select high-quality customers and projects and respond quickly,but also do a good job in credit risk prevention and control,better promote financial support for the real economy,and implement the goal of "stable growth and risk prevention" put forward by the central economic work conference.This paper is based on the study of the relevant theories of management and the understanding of the practices of the same industry,combining theory with practice,to conduct a comprehensive and in-depth research on each link of the credit business review and approval process of bank h.starting from the analysis of the difficulties and problems in each link of the credit business review and approval process of Bank H,the author summarizes the existing problems and analyzes the causes According to the current credit policy and the requirements of Bank H's approval line management,the "post evaluation mechanism",differentiated approval process and integration of inefficient links in the credit approval process are proposed for the existing review and approval process,so as to improve the time efficiency and risk control effect of the company's credit business review and approval,improve the core competitiveness of Bank H and promote bank H The company's business of the bank has achieved sustainable and healthy development in the fierce market competition.