Optimization Of Credit Granting System For N Financial Company

As the "internal bank" of the enterprise group,the financial company handles settlement,loan,deposit,guarantee and other services for the member units,which is one of the important channels for the member units to solve the capital needs and realize internal financing.Faced with numerous member units within the group,how to scientifically measure the credit line of member units,make full and reasonable use of the limited funds of the financial company,provide financial support for member units,and provide financial assistance for the development of member units is a problem that needs to be constantly considered.N Z group finance company subordinates,for the service Z group was founded by a group and its member units,bear the internal funds circulation and settlement,the distribution of dispensing work,controlled by the China banking regulatory commission to the requirements of commercial Banks and other financial institutions credit management,N financial company established a credit management system and credit system,and shall carry out the overall credit management of member units.However,in the process of implementing the credit extension management system,shortcomings such as simple measurement method,mismatching with its own available funds and cumbersome work have been exposed.Therefore,N financial Company needs to optimize the existing credit extension system.In order to standardize credit management and prevent credit risks,CBRC,People’s Bank of China and other regulatory agencies have issued a series of rules and regulations to guide China’s commercial banks and other financial institutions to establish scientific and reasonable credit rating,reduce financial risks and create a good and healthy credit culture.Commercial banks and other financial institutions also adopt a variety of methods to improve credit management,reduce operational risks,improve work efficiency.This paper focuses on the optimization of N financial company credit system.First of all,the policies and regulations,domestic and foreign research status and the existing credit system of N financial company are analyzed to find out the shortcomings of the existing credit system of N financial company;Secondly,combining with the research basis and actual N financial company,from credit,credit calculation method and demand for working capital loans calculate optimize the existing credit system,adopt the way of group clients credit simplify credit work,using dupont analysis,Boston matrix to quantitative and qualitative analysis of member units,Reasonably determine the credit line of its members;Finally,the optimization effect of credit model,credit line measurement method and working capital loan demand measurement method is analyzed.