Research On Problems And Countermeasures Of Bank C’s Corporate Credit Approval

With the further development of the economy and the increasing financing channels,the corporate loan business of commercial banks has also been pushed into the wave of market competition.And good credit quality is one of the indispensable conditions for the stable operation of the national economy and the healthy development of commercial banks.How to solve the problems existing in the whole process of corporate credit approval by commercial banks,so as to improve the efficiency of corporate credit approval,promote business development,improve business performance,and better provide strong support for the development of the national economy;Credit risk,preventing the occurrence of systemic risk has become an important goal that commercial banks need to achieve in the corporate credit approval.Bank C was founded in the early 20 th century and was restructured in the 1980 s.It is a joint-stock state-owned commercial bank with nationwide business coverage.As a brand financial institution with the longest history in my country,it has already operated in the financial field of China.Hundred years.Judging from the development process in the past three years,Bank C’s operating profit has continued to increase,the overall scale has continued to expand,and various operating indicators have been in a good trend,but there is still a large room for improvement in the risk of credit management.Taking Bank C,a state-owned commercial bank as an example,this paper examines the problems existing in Bank C’s corporate credit approval: firstly,the authorization mechanism is incomplete,secondly,the credit operation process is lengthy,and thirdly,the approval decision-making lacks professionalism and independence;These questions put forward actionable reform proposals.This topic starts from theoretical analysis,sorts out the origin and influencing factors of commercial banks’ corporate credit approval,and builds a theoretical framework for the overall commercial bank’s corporate credit approval.Through questionnaires and interviews,internal employees and senior management believe that the existing corporate credit approval should be improved and strengthened.At the same time,a large amount of first-hand information on commercial banking business was collected through surveys and visits,and the problems existing in the credit approval of Bank C were put forward.Targeted and operable reform suggestions: improve the credit authorization system,optimize the corporate approval process and improve the decision-making mechanism.Try to find ways to improve system reform and increase efficiency.Provide case reference for common problems in the industry.The main research focus of this paper consists of four parts: The first part is to sort out the basic concepts and related theories of commercial banks’ corporate credit approval.The second part is an overview of the experience of domestic and foreign peers in the management of corporate credit approval.The third part is the current situation and existing problems of Bank C’s corporate credit approval.The fourth part is the relevant optimization suggestions and supporting safeguard measures formulated for the situation of C Bank’s corporate credit extension,and puts forward the prospect of C Bank’s future credit business development.