Shaanxi Construction Bank Credit Approval Mechanism Analysis And Optimization Studies

As the important content of commercial bank credit organizational reform and risk management, "separating examination from the loan" always is various commercial bank's attention focal point. Since China Construction Bank credit organizational reform in 1999, it has established the credit operation "examination and approval centralization" examination and approval mechanism, and carries out the professional approver system most early, implements thoroughly "separating examination from the loan", to improve credit property quality and risk guards has the positive function. But along with commercial bank market competition day by day intense and credit operation fast development, the credit examination and approval mechanism of China Construction Bank also appears its deficiency in the movement process.The author embarks from own working practice, taking the Shaanxi Construction Bank as the example, to put forward the paper research issue-oriented approach. The approach facing prepared the credit system is to improve and optimize the Shaanxi Construction Bank present credit examination and approval mechanism so that to further satisfy the market competition and the risk guard need. All the research is based on the modern risk management theory and studies from the organization establishment, the service flow, the authorization of the examination and approval and the human troop aspects and so on.Firstly, the paper, by the research of the commercial bank credit risk management theory, looks for the accurate localization of credit examination and approval in the credit risk management work. In view of the nature and the characteristic of the Construction Bank credit business, it confirms the research angle of view and begins the spot based on the risk management theory solute actual problem. Secondly, it unifies to the analysis of Shaanxi Construction Bank credit examination and approval present management situation, studying from the service flow to the credit property, from the examination and approval to the actual examination and approval so that to find the main question and potential crisis in the Shaanxi Construction Bank credit examination and approval. Thirdly, through comparison of the domestic and foreign commercial bank credit examination and approval pattern, the paper studies the different examination and approval mechanism operation the pattern and the characteristic, and finally seeks the reality basis and the work mentality which can be used to optimize and improve the Shaanxi Construction Bank credit examination and approval mechanism. Finally, profiting from other commercial bank credit examination and approval aspect, we will optimize and improve the Shaanxi Construction Bank credit examination and approval mechanism by carrying out the vertical management of credit risk management organization system, redesigning of the examine and approve program and establishing its decision-making model and differentiation for its...