Research On Bank Lending Management Of Z

From the perspective of the development of a modern financial system,banks have always played an important role in the development of this system.As far as its open business is concerned,managing loans is an essential part of the credit business.The lending management referred to in this paper refers to the lending management of the banking company's business,excluding personal financial services and SME business.It is a specific stage of credit loan business review and loan issuance,and plays an important role in credit risk management.Analysis of the bank's credit management and management of lending is extremely important for the development of credit business and risk prevention in advance.To a certain extent,this will be the defensive line for the last and most critical point in risk prevention.When this management work is carried out,only a slight error will have a greater impact on the normal operation of the bank.Therefore,from the bank's point of view,strengthening this operation will not only help banks improve their ability to avoid risks,but also promote economic efficiency.This article will use the bank's lending management behavior as the research object,and combine the basic functions of the bank's lending center and changes in the market's development environment to fully analyze the changes in the functions of the lending center.In the actual analysis process,the issues that arise in the process of bank lending management will be explored in a more applicable manner.Based on the research conclusions,targeted rationalization proposals will be made,and the Z Bank's credit management capability will be improved.This paper will discuss the above issues in six chapters.The first chapter mainly describes the background and the practical significance of the research topics in this paper,and summarizes the conclusions of the domestic and foreign research on this issue.The second chapter is the main theories and management models for comprehensive management of lending by banks.The third chapter is an analysis of the status quo of Z bank lending management,and describes the basic model of lending management of Z bank,as well as the organizational structure,operation flow and other aspects,and issues the bank's existing problems in the actual management process.Expand on this basis and pave the way for the fourth chapter.From the perspective of this article,the fourth chapter is the focus of this article,and in this chapter,the SWOT analysis method is fully used to conduct in-depth analysis of the problems in the bank's management process,combining internal and external forms and Z Bank in lending management.At the time of its own risk,the management functions of bank lending management in the form of case analysis have become increasingly prominent.The fifth chapter is based on the conclusion of the analysis in Chapter 4,and proposes corresponding countermeasures that can strengthen management capabilities.The last chapter is the final chapter of this article.It mainly summarizes the summary of this article and makes expectations for future development.