| The construction of credit management system is not only an important part of the bank credit risk management, but also is the carrier of the bank credit culture and policy, organizational structure and process, which plays a key role to the formation of a bank credit culture and effective prevention, control and management of credit risk. With the rapid development of bank credit business in Lanzhou, in addition to the credit business risk control gradually strengthened, the collection of credit data requires completion. On the other hand, the credit data standard reported to regulators promoted step by step,therefore, the construction of the credit risk management system becomes urgent matter of the bank.This paper analyzes incompletion in information collection, the weak risk control and much manual intervention in the approval process of the current management system of Lanzhou bank. As for the correlation customer’s no judgment, the missing management after credit and the single of business products, etc., the paper proposes that the construction of credit risk management system is imperative, under this background, the paper introduces the credit risk measurement model, business process reengineering theory and the internal control theory, and elucidates the needs analysis and design of project of the credit risk management system, as well as the overall information collection of customer, multi-control of credit limits, the centralized management of approval process, the standard management of the inspection report after credit and regulation formation of five classification. The paper reflects the whole flow of credit operation management, the differentiation management of each business line, centralization of risk control functions, the unification of management and accounting and the integration analysis of information. Based on this, corresponding implementation plan is established, and the whole project is planned for stages and given feedback correction. |
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