A Research On The Issues And Advice Of Commercial Bank Credit Granting Management In China

With establishing of the credit granting system, the commercial banks have improved their ability of risk management. Because of the lack of credit management technique , the power of the system is restrained in some degree, and road of credit management has been changed to turnoff. On the other way, something matters the credit management idea and system seriously .as well known ,the loan is the main business in China commercial banking, and its well developing is very important to preventing the financial crisis.This paper clarified the idea of credit granting system, and gave some advice to improve the credit management. On the base of combination of theory and practice, we analysis the status of credit volume management, discuss the different cause of credit risk , introduce the credit granting management system in the west ,and poit out its advantage. We also think about the basic method of credit volume management in China Construction Bank , give some advice on the practice , and make for understanding the intension of client credit volume management and instructing the practice. First we overcome the limitation of quantity analysis system , second divide the industry and zero reasonably, third build the financial anti-cheat system more efficiency , fourth change the status of credit record origin, and its shortcoming ,fifth fine the method of credit valuation, sixth improve the applicability of credit volume formula , seventh deal with the system innovation and management ,and practice more effectly.