Research On CY Branch Pre-lending Financeof China Construction Bank

At present,the proportion of non-performing loans in commercial banks in China is generally high.Whether banks can survive or win in the fierce competition depends critically on their credit ability.Therefore,optimizing the pre-loan survey is an urgent need of commercial banks in our country.The pre-loan investigation is the most important part of bank credit business.The core of pre-loan investigation is the pre-loan financial investigation.Through the pre-loan financial investigation,we can not only understand the borrower's past operating conditions,but also predict the solvency of the borrower.A comprehensive and systematic pre-loan financial investigation can help banks identify the risks of borrowers early and provide an important basis for making credit decisions.The pre-loan survey is the first barrier to control credit risk and provides a favorable basis for the approval of business risks by the middle and back-end approval authorities.It is an indispensable task to identify and prevent credit risk from the source.Based on the basic theory of pre-lending financial investigation of commercial banks,this article analyzes the status quo of pre-lending financial investigation of CY Branch of China Construction Bank and reveals the lack of a unified analytical tool and survey standard for pre-lending financial investigation of CY Branch of CCB,Lacking in prevention and control of false information and statements,optimizing the pre-loan financial investigation,and focusing on the optimization of the pre-loan financial investigation for CY Branch of CCB,and establishing a unified standard pre-loan financial investigation mode.By strengthening the pre-loan financial investigation,on the one hand,it can enhance the quality of the pre-loan financial investigation report and on the other hand enhance the efficiency and effectiveness of pre-loan financial investigations and management workers in the pre-loan financial investigation.This is of great value to the prevention and control of commercial bank credit risk Huge guiding significance.