Title: The Application of Enterprise Credit Granting Program in the Structural Adjustment of Bank's Credit
Abstract: The management of credit granting program is the development and deepening of the management of credit granting amount.It can not only effectively prevent enterprise's credit risk,but also,in the structural adjustment of bank's credit,play an important role mainly in the following:to change the adjustment after the event for the adjustment before the event,the passive adjustment for the active adjustment,the rigid regulation for the flexible strategies,the amount management for the program services and to realize the liquidity management of credit assets.In combination with different business cases,the paper gives suggestions to make credit program:setting the concept to service controlling risks and increasing benefits,building the parallel and pre-loan operation mechanism in which the team of customer manager and the team of risk management manager participate,establishing the early-warning and response mechanism,increasing the sensitivity to customer risk,strengthening the enforcement and inspection of credit granting programs.
Publication Year: 2010
Publication Date: 2010-01-01
Language: en
Type: article
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