Credit Management Innovation Of Commercial Bank Under The Technical Support Of Information

The domestic financial market opens in an all-round way externally , the market competition is aggravated, the competition pressure force the domestic banking to accelerate paces of managing reform of inside , to improve the management level of the risk, to set up strong management system of all the whole risks.Under the traditional credit management style, this kind of information is incomplete, uncertain ,which causes the deterioration of the assets quality of the bank credit directly ,that become one of the main obstacles to hinder the bank from managing and developing in a healthy way steadily and surely.Through doing some research on the management information system of credit of the domestic and international bank, this text compares credit management mode of the domestic and international bank, and introduces the present state of development of the domestic commercial bank and especially made an introduction to the situation of Industrial and Commercial Bank of China. This text points out the deficiency of the original credit management information system of the Industrial and Commercial Bank of China, and summarizes the innovation of the existing system, analyses the basic principle of developing the credit management information system of the Industrial and Commercial Bank of China at present and that basic framework of designing the system, through recommending three function modules in the existing system: reminding by electron, reforging the business procedure , systematic pre-warning and rigidity control, this text introduce some work that the author made among the innovative course in Industrial and Commercial Bank of China.Through implementing technological innovation among credit management system constantly, It brings prominent effect in enhancing management and expanding credit business in line ,has promote the implementation of the credit policy, has reduced the operation cost of the credit business, has taken precautions against the credit risks of credit business, has evaded the operation risk of business transaction.