(1) Improve and optimize the organizational structure: according to the requirements of modern enterprise management system, set up a reasonable departmental system at all levels to achieve the performance management goal of combining departmental assistance with departmental supervision. Set up the front, middle and back office of credit business, the front office is responsible for business development, the middle office is responsible for risk control, and the back office is responsible for audit supervision.
(2) Improve and optimize the approval business process: design the loan approval process according to the financial business requirements, and determine the credit policy in strict accordance with the procedures of business acceptance and credit investigation, data entry, preliminary review, rating calculation and final decision: approving or rejecting loans. Credit approval application score is introduced to ensure the authenticity and integrity of all kinds of credit information on the basis of loan investigation, standardized process and quality control.
(3) Improve and optimize the business process of post-loan management: establish and clarify the supervision system of first inspection, monthly inspection and change sampling inspection, give early warning to enterprises with overdue repayment and abnormal operation, and carry out collection work as soon as possible to prevent the occurrence and expansion of default losses.
(4) Establishing a customer rating system: On the basis of qualitative and quantitative analysis, establishing a rating index system for SMEs. At the beginning, qualitative analysis is the main method, and after the sample data is improved, quantitative analysis is the main method gradually. At the same time, make full use of the credit data of the central bank and the business information data of the third-party enterprises in the society to master the risk characteristics of the loan enterprises.
This is what I learned later. I hope I can help you.