Research On Credit Management Optimization Of Self-employed Industrial And Commercial Business In Ji'an Rural Commercial Bank

General secretary Xi Jinping pointed out that economy is the body,while finance is the blood.Finance should serve the real economy and meet the needs of social development and the people.As the state attaches importance to small and micro enterprises,the financial services of small and micro enterprises also gradually follow up.Under the related policy guidance,local commercial banks have launched powerful credit supply to small and micro enterprises,playing an important role in promoting the financing of small and micro enterprises.As for one of the largest market entities in small and micro enterprises,how to manage the bank credit of self-employed industrial and commercial business well under the new situation is one of the topics concerned by the society and commercial banks.This paper comprehensively adopts the following three methods o analyze the problems existing in the credit management of self-employed industrial and commercial business in Ji'an Rural Commercial Bank in detail: literature analysis,investigation analysis and comparative analysis.Through the analysis of the current situation in marketing,performance management,process management,product effect,etc.,the existing problems are deeply analyzed to find the reasons.Then,the corresponding optimization scheme and improvement measures are put forward according to the actual situation,which provides a certain reference basis for solving the current management problems,especially for the bank serving the real economy.The investigation shows that there are mainly the following problems in the existing credit management of self-employed industrial and commercial business in Ji'an Rural Commercial Bank:(1)Insufficient assessment;(2)Insufficient incentive;(3)Imperfect business process;(4)Poor post-loan management.The reasons are as follows:(1)Single marketing channel,failure to identify target customers effectively,and failure to fully understand the overall market;(2)The assessment of product valuation cannot be accurately grasped,so the loan validity is prolonged and there are certain risks;(3)Insufficient manpower input in credit management and asymmetric market information;The inspectors have heavy tasks;(4)Insufficient understanding of credit related personnel,the existence of moral hazard behavior,and insufficient execution of duty exemption.Based on the above reasons,it is suggested to optimize thecredit management of self-employed industrial and commercial business.In general,on the basis of the current market environment and product characteristics,credit management is optimized from marketing,performance appraisal,business approval,post-loan management and other aspects.The optimization measures are as follows:(1)Taking Integrated marketing plan according to the needs of the market and individual comprehensive marketing;(2)Strengthen staff training and communication,grasp the focus of performance appraisal,conduct incentive optimization according to the actual situation;(3)Improve the credit review process and mechanism to improve the loan review efficiency;(4)Fulfill the responsibility of risk prevention and control management and strengthen post-loan management measures.By optimizing the current management and mobilizing the enthusiasm of relevant staff,Ji'an Rural Commercial Bank can survive and develop in the increasingly fierce market competition and finally achieve sustainable and prudent operation.