Research On The Pre-loan Investigation Of Corporate Credit Business Of ZX Bank Xinxiang Branch

In recent years,China’s economic development has advanced to a new stage,the total economic volume and the total amount of commercial bank loans have maintained year-on-year growth,but the current macro environment is severe and complex,the situation in Russia and Ukraine,global inflation pressure,the new crown epidemic and other adverse factors impact,some industry enterprises have difficulties in operation,cash flow is tight,the credit business risks of commercial banks continue to be exposed,the superimposed implementation of compliance regulatory requirements is gradually strengthened,the need to serve the real economy is increasingly urgent,and the difficulties and challenges faced by commercial banks are intensifying.This doubles the pressure on risk control in its credit business.Therefore,controlling the risk of corporate credit business,the most important asset business of commercial banks and source of profit,is the focus of the stable and sustainable development of commercial banks,and the risk control of pre-loan investigation of corporate credit business is the top priority to ensure the safety and high-quality development of credit assets.Pre loan investigation is not only the first barrier for commercial banks to control credit risk,but also the most critical and effective link for risk prevention.The development of commercial banks depends on the quality of pre loan investigation.And the risk prevention and control of pre-loan investigation have become the core of commercial banks’ credit risk management.Therefore,exploring and studying the pre-loan risk control of corporate credit business is of great significance to the safety of credit assets of commercial banks in China.This paper takes ZX Bank Xinxiang Branch as the research object,and uses relevant theories to analyze and study the pre-loan investigation status and existing problems of the bank’s corporate credit business.Firstly,on the basis of collecting and sorting out relevant research on pre-loan investigation of credit business at home and abroad,the current situation of pre-loan investigation of the bank’s corporate credit business is sorted out.Secondly,using qualitative and quantitative analysis and questionnaires,it is found that the four core problems in the bank’s pre-loan investigation work are that the pre-loan investigation and assessment system is not perfect,the risk appetite of the pre-loan survey has not been unified,the implementation of the pre-loan investigation system is not in place,and the professional ability of pre-loan investigators needs to be strengthened.Then,further analysis explores the root causes of the problems:first,the construction of risk management culture is not in place.Second,the professional quality of pre-loan investigators is low,third,the guidance of assessment policies for due diligence is insufficient,fourth,the ability training methods of pre-loan investigators need to be improved,fifth,the allocation of pre-loan investigators needs to be optimized,and sixth,the pre-loan investigation business process needs to be improved;Then,in view of the problems existing in the pre-loan investigation,according to the guiding principles of professionalism,accuracy and balance,the strategy for optimizing the pre-loan investigation work of Xinxiang Branch was proposed:improve the construction of risk culture;improving the professionalism of investigators;Optimize policy guidelines and pre-loan investigation and assessment system;Improve pre-loan investigation business process and support system;Rational allocation of pre-loan investigators;Finally,the implementation guarantee measures of the optimization strategy of the bank’s pre-loan investigation work are given.The research conclusion of this paper is conducive to improving the level of corporate pre-loan investigation and risk control ability of ZX Bank Xinxiang Branch,and in view of the importance and universality of pre-loan investigation of corporate credit business,it is hoped that it can provide reference and reference for other commercial banks to improve their pre-loan investigation work,so as to promote the high-quality development of commercial banks in China.