Xi'an Branch Of XY Commercial Bank Credit Management Improvement Research

The commercial bank is an important component of national economy, the socialist market economy in our country play a decisive role. The quality of assets of commercial banks directly related to the commercial bank's survival question. Faced with this problem, the bank as the main body, should actively,take the initiative to establish a market economy adapt to the operating mechanism, The existence of the risk of multiple pathways to dissolve, the prevention of new risks, to ensure that the socialist market economy to develop steadily.This thesis to XY commercial bank Xi'an Branch of the subject, and analysis its credit situation, Xi'an Branch of XY commercial bank credit business process is divided into three parts, there are the loan before the selection, decision in loan and management after loan. In the loan before the choice of industry concentration, put forward to the duration of the loan structure is unreasonable wait for a problem, By choosing XY commercial bank Xi'an Branch of the first half year of 2010 data, Including loan industry orientation data, loan period analysis data; In the decision in loan of banks rely on financial statement analysis, and faced on financial statement analysis limitation。In the management after loan made in early warning and forecasting, loan exit and the responsibility on to some extent of "vacancy", and its performance for detailed analysis. In addition, compared with Xi'an Branch of XY commercial banks and state-owned commercial bank, fully understand their own strengths, weaknesses, opportunities and challenges.In this thesis through the corresponding conclusion:Firstly, we should seriously improvement strategies in the loan before the choice of medium and small businesses, and puts forward how to select the corresponding strategies of small and medium-sized enterprises. In addition, according to the XY commercial bank Xi'an Branch of its own characteristics to develop the energy conservation and emission reduction credit business. Secondly, the loan decision put forward in addition to financial statements should also consider the industry risk analysis, business risk analysis, non-financial effect analysis and improvement for a loan management system. In third, putting forward the corresponding policy suggestions and to establish perfect the commercial bank management after loan system.