| Loan management study on Heilongjiang Agriculture Bank is a successive discovery, identification, upgrading dynamic process. Most advanced multinational bank insist on financial technique as their basis, organization innovation as their policy, human resource as their carrier to upgrade their own loan management ability. With global economy and social information process, world financial structure changed tremendously.Competition is changing from liability service to capital management. And more and more competition focus on information, culture, knowledge and scientific management. Although currently Heilongjiang Agriculture Bank focus on loan m anagement, it should improve those management content to a new level including comprehensive loan and credit management, preparation for IPO and real merchandise operation.This paper addresses domestic and global credit management theory and financial frangibility theory. Based on practical experience, literature analysis and demonstration study, this paper analyze the influence of product and service innovation on Heilongjiang Agriculture Bank loan management.Scientific management and policy assurance are the basic existent condition for Heilongjiang Agriculture Bank. Completely risk management is the key factor to ensure Heilongjiang Agriculture Bank development. From the analysis of Heilongjiang Agriculture Bank's current situation and problem, we present the structure about how to rebuilt Heilongjiang Agriculture Bank's loan structure and how to improve its competition situation. |
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