| At present,the complicated and volatile economic situation and the increasingly fierce competition among commercial banks put forward higher requirements for commercial banks to manage credit management of public customers.Specialized and refined management is the direction of the transformation and development of commercial banks.In the process of China’s economic transformation and development,the achitechive not only has an important influence in the national economy but also plays a key role in “stable growth”.In recent years,the government and social capital cooperation(PPP)has been deepening,“The Belt and Road”strategy has continued to develop,the Beijing-Tianjin-Hebei integration,the Xiong’an New District,the Districts of Guangdong,Hong Kong and Macao have been further promoted,the western development and the rural revitalization strategy have accelerated.In the context of the implementation,it is expected that the achitechive will also face greater development opportunities,On the other hand,it also faces many problems and challenges at the same time.JS Bank is a leading large-scale joint-stock commercial bank in China with rich experience in cooperation with customers in the achitechive.In the face of new changes in the construction industry,JS Bank must improve its capabilities of financial services.Research on the whole process management of customer credit in the construction industry of JS Bank can guide JS bank’s professional and refined management of the construction industry customers on the real business level,prevent credit risks and improve service capabilities;enrich the commercial banks on the theoretical level.Research on credit management also has reference significance for the management and the financing of construction industry enterprisesAs the credit balance of JS Bank’s construction industry has increased year by year,the non-performing rate of the industry has also been rising in recent years.From the perspective of the whole credit process,which including pre-lending,lending,and post-lending is a complete chain of credit.No matter which part of the chain is out of order,it will lead to risk in the credit business.This paper uses literature research method,field investigation method,case study method,quantitative analysis method and other research methods to define the concept of construction industry and credit whole process management,and analyzes thestatus of construction industry and the current status of credit management in construction industry.By analyzing the status quo,identifying the weak links,and taking measures to strengthen the weak links to enhance the carrying capacity of the entire credit chain is the main content of this paper.JS Bank has accumulated more experience and a relatively complete system in the credit management of the construction industry,but there are still insufficient information on pre-lending investigations,inadequate control of lending and lending processes,lack of differentiated reporting materials,and post-loan inspection became a mere formality.In response to the pre-lending problems,this paper puts forward some measures which is including detailing the specified actions,enriching the investigation content,improving the investigation process,strengthening the application of tools,and optimizing parallel operations.In view of the problems in the lending,this paper proposes to improve the level of management,concentrate on professional operation,distinguish newly increased and the stock,optimize system declaration,capture information automaticly and other measures;Aiming at the post-lending problems,this paper puts forward some measures,such as constructing a long-term mechanism,cultivating advanced culture,realizing fine management,recognition of warning signal and strengthening comprehensive marketing. |
