澳洲paper写作--Credit management

摆渡论文网（www.baydue.com）-专业留学生作业辅导中心澳洲paper写作-Credit managementRecently, the CBRC has promulgated the "interim measures on the management of fixed assets loans", "interim measures on the management of working capital loans", "interim measures on the management of personal loans" and "guidelines on project financing business". The new loan regulations refer to the mature credit practice of foreign Banks and the credit innovation of domestic Banks, which have significantly changed and improved the loan management system of China's banking industry and standardized the specific credit behavior of each link of the loan. These norms are diverse and varied, but all reflect a new concept of uniform credit management by regulators.Process management refers to a management mode in which the organization regards management as a process in order to achieve the preset goal or task, and designs, controls and improves all the links involved in the process, so as to effectively achieve the preset goal of the organization and individuals.Process management is based on total quality management, focusing on full participation and continuous improvement, and achieving organizational goals through controlling process links and various factors.As we know, the new loan regulation emphasizes the full process management of loans, that is, the credit management is mainly process management. Scientific and reasonable credit business management is a process of avoiding risks and obtaining benefits to ensure the safety, liquidity and profitability of credit funds. Every credit business will face many risks. Process management achieves the purpose of preventing risks and realizing benefits through the established operation procedures and the control of each link.The new loan regulation breaks down the loan management process into nine major links, and makes mandatory specifications on tasks, working methods, management systems and other aspects of each link, requiring commercial Banks to realize the credit goal of preventing risks through loan process management. The process management of bank credit is decided by the unique features of credit.The complexity of credit requires the concentration of the wisdom and power of more people. Dividing the credit into multiple links will help more professionals to participate in the division of labor. Credit losses at the same time with great personal compensation limited determines the credit position objectively to power, the unity, any level of credit management and the person in charge, all can't loan losses for full compensation, not only through the accountability mechanism to effectively control the moral risk behavior, dereliction of duty, must therefore be permissions of each link of credit personnel constraints, rather than rely on self-discipline. A management by objectives model that asks only the results, not the process, does not apply to credit management.Modern management believes that scientific management has three levels, namely standardization, refinement and personalization. Fine management is a kind of management mode that leads the routine management to the depth. It requires every step of management to be careful, every link to be precise and every work to be excellent. Elaboration is attitude, refinement is process and excellence is achievement. Fine management is to implement the management responsibility, specific and explicit management responsibility, it requires every manager to be in place, due diligence.Loan the new rules would refine three check for the loan application, accept and investigation, risk assessment, loan examination and approval, the contract is signed, loans, loan payments, post-loan management, recycling and disposal of nine major link of every link of intensification of regulation, emphasize the effective credit risk management behavior through to the loan every link of life cycle, and strictly require Banks to implement the responsibility of each link to the specific departments and jobs, and to establish assessment and accountability mechanism of each position, boost lending management mode from the extensive to fine.In other words, "delicacy" refers to the intensive management of bank credit in the past. The refinement of bank credit management is a gradual process and a deepening process. Although the management of Banks has become more and more sophisticated with the deepening of market operation, the current management mode is still extensive. The most obvious manifestation lies in the post-loan management stage, which only has a general description of the tasks, objectives and working methods of the post-loan management stage, and lacks scientific and systematic theoretical guidance. Management floats on the surface, formalism is serious in management practice, and management stays at the level of "almost". In the past, for example, Banks only focused on monitoring the use of credit funds in preventing