Study On The Optimization Of Personnel Recruitment Management System Of Bank Of Communications Gansu Branch Loan Review

Bank lending is the main asset business of banks, and also the main source of profit for banks.In recent years, due to the macro economic downturn, the industry structural contradictions highlighted, significantly enhance the risk of loans, overdue bank loans, non-performing rate continues to rise, according to the 2015 five major state-owned bank annual report, NPL ratio is at the beginning of last year in varying degrees up, all over the 1%, the control of non-performing loans has become an important indicator of the level of consideration of banks.Is Gansu Province branch of Bank of communications, 2015 years overdue loans 6.67 billion yuan, accounted for than 2.42%, compared to the beginning of the year rose 1.31 percentage points, consider restructuring on the part of the overdue loans, such loans is expected after the expiration of the full return of less likely, the whole actual overdue rate higher than the current figures show, the quality of credit assets management facing a grim situation.And the risk of bank loans to the control, mainly rely on the front end of the customer manager of the loan before the survey, and the back end of the loan review of the examination and approval of the staff. Due to the frequent customer manager in recent years leave, quit, a large number of the backbone has been basically turnover, the stock status of the remaining customer manager basically for the working time is short, lacking business knowledge, risk awareness is missing. Consider the cultivation of this part of the crowd and mature non overnight can be realized, so from the point of view of the actual effect, inspector loan and post loan investigation has gradually developed the top priority for the quality management of bank loans. As a result of a large number of contacts, the potential risks have a direct understanding of the loan access, design audit play a gatekeeper role, is the most direct control of non-performing loans, the most effective one. At the same time, it is also able to strengthen business training to customer managers, to help them improve their business ability and risk awareness. Currently facing the problem is different from other people of relatively perfect system of recruitment, hiring censors most by the head of the Department from the row according to the usual impression direct selection, recruitment system is simple and casual, the lack of a scientific and quantitative criteria, and recruitment channels as compared to the single, also review staff positions itself is based on various reasons of turnover phenomenon, for the stability of the team, business continuity has certain influence. So this thesis writing for the bank loan review staff this particular job, in summarizing the recruitment of relevant historical documents based on, combined with human resource management,organizational behavior, psychology and management science theory to conduct the research. In view of the problems existing in Gansu bank examiner recruitment and through investigatingexamples design the examiner employed optimization scheme, from recruitment planning,personnel selection criteria, recruitment channels, process, interview skills, recruitment tools for optimization and improvement.The ultimate purpose of this research is to improve banking on the risk control ability, and the background of the current economic situation of bank asset quality control requirements of the continuous improvement of consistent, also conforms to the Bank of communications, deepen the reform of state-owned enterprises, the development of mixed ownership economy, realize the development pattern of the innovations in systems and mechanisms, so it has certain practical value.