Study On Problems And Solutions Of Credit Management Of ZX Bank

Credit assets business plays a crucial role for assets business development of the commercial banks in China, more than half of the commercial bank’s income interest depends on loans. At the same time, the loan customer communication process, to deepen the links between banks and their customers, to help in the bank in the other business to expand and improve the competitiveness of the banks. Credit business for the bank’s contribution so improve the quality of credit assets to reduce the credit risk is a top priority. However, the factors affecting the credit quality of a lot of banks own reasons,both external factors. Bank to achieve its economic efficiency target health and stable development, it is extremely necessary to strengthen credit management is also crucial means.This article from the bank’s point of view, combined with my practical work, analysis of ZX bank credit management status. First on the background and significance of the topic and the case has been described. Secondly, the theory involved in credit management, the necessity of the study of the problem. Thirdly, focusing on the problems in the status of ZX bank credit management, problems of credit management were analysised. Finally, we use the combination of quantitative and qualitative analysis, a comprehensive analysis of the theory with actual research methods, optimize credit risk management and control strategies and suggestions.With the continuous development of banking market competition is becoming increasingly fierce and the credit business, the existing bank credit management system can not adapt to the current reality of credit business development, improve risk management capabilities to improve the existing credit management system is essential. In this paper, ZX bank credit management status, hope of the problems and countermeasures research,to provide a reference value for credit system, risk system, to further optimize the transformation of practice and credit management level improved countermeasures and suggestions.