Research On Pre-loan Investigation Management Of Bank Of Ningbo W Branch

For a long time,credit risk has always been the focus of financial institutions and regulators to prevent and control risk.At present,China's economy has entered the historical development stage of " new normal",which is mainly manifested as changing the driving force of economic development,adjusting the economic structure,slowing down the speed of economic development and so on.With the formulation and implementation of the 13 th five-year plan," promoting reform,adjusting structure and steady growth" is an important strategic plan to maintain economic health and sustained growth.the main melody of industrial layout in the future is to control overcapacity and upgrade industrial structure.Bank is an important part of China's financial market,credit is the bank's main business,its risk has the characteristics of generalization and complexity,and constantly improve the difficulty of risk prevention and control.Therefore,the bank to maintain stable operation and excellent quality of credit assets,to maintain national and regional economic development and financial market stability has a particularly important impact.Credit risk is the risk that every bank should guard against to carry out credit business.using the pre-loan investigation,we can understand and identify the credit risk that may appear in credit business.it is not only the important content of bank credit business,but also the internal requirement of our country's banks to achieve comprehensive risk management and meet the global excellent risk management system.In the process of developing credit business in our country,because there is no comprehensive pre-loan investigation,there is no clear target risk identification system,often lead to bank credit risk and loss,which affects the stable development of the bank.This paper first analyzes the research background,research significance,domestic and foreign research summary,research methods and content framework,expounds the new characteristics of China's bank risk in the new period,and expounds the method of reducing credit risk through pre-loan investigation.Secondly,from the perspective of the concept and content of pre-loan investigation,the paper analyzes the methods and precautions of pre-loan investigation.Thirdly,taking the actual situation of the Bank of Ningbo W branch as the analysis object,the paper studies the problems existing in the pre-loan investigation,and studies the causes of the problems through three practical case studies.Finally,in the credit business,we use scientific investigation method and analysis model to identify and study credit risk.The application of sound risk control system,performance appraisal system,effective application of theoretical model,improve the big data wind control platform,strengthen the training of pre loan investigators,improve the credit investigation report template,establish a unified credit culture,strengthen internal audit and supervision strategy,reduce the probability of risk,and gradually reduce the risk loss.Only by establishing a bank-wide atmosphere of risk prevention and pre-loan investigation can we better deal with risks and promote the bank's stable,healthy and sustainable development.