Study On The Optimization Of Credit Rating System In Foshan N Rural Commercial Bank

Credit loans as a commercial bank a basic business,credit business operations and the quality of assets directly affect the commercial banks operating performance and risk control level.In 2016,after a long period of rapid growth,China's economic growth slowed down gradually.The rapid development of the economy brought about by a series of problems have gradually emerged in the past,commercial banks in order to gain profit growth in the competition to get the initiative,has been relatively credit management of credit,extensive loans for the future appearance of non-performing loans buried Under the curse,when the economy down,the local loan risk events frequently,resulting in a large number of non-performing loans.Foshan N Rural Commercial Bank of China as a leading local commercial banks,the credit business has also been a serious test,especially the structural collapse of the national steel market out of a large number of steel trade bad loans,making Foshan N Rural Commercial Bank 2016 net profit compared to 2015,a greater degree of decline.Foshan N Rural Commercial Bank of China credit rating system was opened in the late 90 s,has been used for many years,and gradually can not meet the increasingly complex credit management needs in the new situation credit rating system is not accurate,directly affect the loan pricing and credit design,Thereby increasing the risk of commercial banks lending.In order to ensure the stable and safe development of credit business,from the root causes to reduce the occurrence of risk loans,more stringent,the system of credit rating system to optimize the construction of imminent.To ensure the safety of loans under the premise of increasing the overall loan investigation to enhance the efficiency of the loan review and approval,the objective assessment of the main loan,the scientific calculation of the main credit amount of loans,this paper through the use of project management principles,The customer credit rating system,through the analysis of the defects of the original system,and put forward the corresponding countermeasures and suggestions,through the quantitative,qualitative and specific circumstances of the loan,the construction of a meet the needs of modern commercial banks,loan principal rating and credit amount of linkage Comprehensive credit rating system Phase II project.This paper first describes the background and significance of the research on the credit rating system of Foshan N Rural Commercial Bank of China,and studies the present situation of credit rating system construction at home and abroad,and gives a brief introduction to the main functions of the system.Customer credit rating system,combined with the actual operation of the situation,analysis of a credit rating system defects and shortcomings,which leads to optimize the customer credit rating system,the establishment of the second phase of the project;third,from the project planning and project implementation of the two This paper analyzes the project start-up process,the planning process,the implementation process and the control process,from the planning organization,risk control,quality assurance,cost control and other aspects of a comprehensive combing,and finally the operational efficiency of the project and Apply the effect to be evaluated.In this paper,through the use of case analysis,combined with qualitative analysis of the discussion.After the successful implementation of this project,to achieve the purpose of optimizing the credit rating system,to achieve the modernization of the main loan loan investigation and analysis of the amount of credit for the amount of accurate quantitative basis for effective screening of loan customers to improve the efficiency of loan review and approval to reduce the probability of risk loans,To achieve comprehensive loan management.