Research On Optimization Of Corporate Credit Management Process Of A Branch Of ZG Bank

Commercial banks are an important part of the financial system and an important carrier of the operation of the national economy,so its healthy and efficient development is the inherent requirement of the progress in the new era of socialism.In the context of the new socialist era,commercial banks need to serve the real economy more effectively,prevent and control major risks more closely,participate more deeply in financial reform,more actively assume social responsibilities,and build an ecological civilization more effectively.For commercial Banks,the company credit business is an important channel of commercial bank service entity economy,is also an important source of profit of commercial Banks,but with the social and economic development in recent years,the company credit customers and credit scale rapid growth,to provide customers with quality service management pressure more and more big,internal management contradictions gradually emerged,credit problems of the examination and approval process link increasingly prominent.In order to adapt to the inherent requirements of the new socialist era,commercial banks need to change their business philosophy and business mode,and continuously optimize their management concept and management mode,so as to improve their business efficiency and risk prevention and control ability.This thesis studies the evolution process of corporate credit management process of bank of China,and compares the operation and management situation of bank of China with other similar large banks,and points out its operational shortcomings.In bank of China a points behavior research object,the company credit management process carried on the thorough study and analysis,research its internal management process including company credit launch,loan approval,lending,post-loan management of the core link,aims to improve its work efficiency,strengthen the close cooperation of each link,enhance its market competitiveness.Through searching for literature,questionnaires and interviews,the author found that there were problems and deficiencies in the initiation,credit approval,loan and post-loan links.Based on these problems and deficiencies,the author proposed a series of process optimization and improvement plans,and classified the improvement plans according to the credit approval link,mainly including introducing credit support post in the credit initiation link,formulating differentiated launch report and approval process,optimizing the access requirements of customer managers,optimizing the approval mode,implementing parallel operation,unifying risk preference;optimizing the loan issuance process in loan supply and post-loan management,establishing the approval standard work system,establish a parallel review mechanism for loan issuance,and establishing independent post-loan management system.In order to ensure the smooth implementation of the company’s credit management process optimization,the author proposes the necessary resource guarantee measures.The conclusion of this thesis is that by optimizing the company credit management process,the quality and efficiency of the branch credit initiation can be improved,the probability of process repetition can be reduced,the risk of information asymmetry can be reduced,improved,the effectiveness of post-loan management can be improved,the internal synergistic effect can be enhanced,and the comprehensive market competitiveness can be improved.By taking a branch of Bank of China as the research object to put forward the optimization and improvement plan,it also plays a certain reference role in the optimization of industry process management,and promotes the development of process optimization research.