A Research On Approval Of ICBC Henan Branch Of Individual Housing Loan

Individual housing loans this in the West have a mature business in China started relatively late, thelast century eighty’s began to appear, due to the rapid growth of China’s economy in the last thirty years,more and more people accept can improve the living standards of personal loans to consumption in advancethe American consumption concept. Facing the huge potential domestic market, China’s banking industryand the development of the business of personal attention degree is high, in view of this, the personal loansin this business has gradually become the most banks in China focus on business development directionand profit growth point of the new. Personal loans business position than in the past has been greatlyimproved, it is not difficult to find, many banks have made great contributions to the personal loan businessprocess optimization and efficiency improvement, but our personal loans from the beginning of just a fewtens of years, have not formed a reasonable, efficient operating procedures, unreasonable personal loans inthe process of becoming a stumbling block to restrict credit development. In2012the credit approval sealmanagement system of industrial and Commercial Bank of China Henan branch has been upgraded, fromthe original manual seal mode change for printing machine printing. In the system after the upgrade, somedisadvantages of the individual housing loan approval gradually exposed. How in the new system model,how to improve the quality and speed of examination and approval of examination and approval, and howthe problems related to the new system’s reform has become increasingly prominent problem.From the current actual operation situation of domestic commercial banks personal housing loanapproval, the business also has many deficiencies, especially in the loan approval lax, handle the cycle istoo long and low efficiency and to bring customers dissatisfied. The main content of this paper is divided into the following sections:Second chapter overview of ICBC individual housing loans. Mainly to explain the development ofindividual housing loans, housing loans to individuals for the process, individual housing loans, housingloans to individuals for model approval, a detailed description of the relevant personnel involved in theindividual housing loan approval, and individual housing loans risk.The third chapter on the practical problems through sections of the individual housing loan approvalcase and encountered in practice, starting from the actual operation process and mechanism of individualhousing loans, points out the problems existing in the examination and approval of examination andapproval, mainly reflected in operational risk, operational staff approval form and lack of market, lack ofisland that the efficiency of examination and approval is not high, the lack of supervision mechanism. Thespecific form of operational risk analysis.The fourth chapter introduces the foreign commercial bank credit examination and approvalmechanism, introduce the American bank, European bank and the Bank of Canada’s credit approval system,comparative analysis and examination and approval system of foreign countries, summarizes theexperience of examination and approval system, so as to control the domestic examination and approvalsystem, to provide the quality of examination and approval.The fifth chapter on how to improve the operation to improve the examination and approvalprocessing capacity, improve individual housing loan approval efficiency, improve customer satisfaction,put forward countermeasures and suggestions to perfect individual housing loan approval: to strengtheninternal audit system, strengthen the awareness of risk prevention; strengthening the examination andapproval of professional skills training, improve risk identification; rational allocation of credit postapproval of personnel; optimize the approval process, improve the efficiency of examination and approval; the establishment of electronic credit rating and approval system.