optimize processes

Loans new regulations is of great significance



Third, a number of measures to improve credit risk management. Construction Bank, construction began a few years ago, Loans after the introduction of new regulations, the bank launched the , set up a special post-loan management team. Meanwhile, to further refine the branches of credit policy, the implementation of The end of June this year, CCB performing loan ratio of 1.22%, 204% provision coverage, the largest bank in asset quality continues to lead.

to new regulations as a guide, customer service and risk management capability to rapidly increase

third,louboutin, to strengthen banks' risk management capabilities. Risk management is the eternal theme of commercial banks. Past credit management also has loan before the survey, loan review and loan after the inspection in the Compared with the past, new regulations on lending risk control requirements and require more detailed and more targeted. For example, the establishment of specific departments and job responsibilities is responsible for overall credit risk assessment, while upholding the separation of loan approval, independent examination and approval; the establishment of independent departments and positions of responsibility, be responsible for payment of loans and review and improve the pay review, the strict use of the loan management to prevent misappropriation of funds and so on. These provisions are the basis of promoting the bank to strengthen management, improve credit risk management effectiveness.
CBRC in-depth research and draw on advanced international experience, based on the close connection with the reality of China's economic and financial development, especially in bank credit management status, promulgated and implemented the ways a guideline More than a year, loans for new regulations to better implement the national macroeconomic policies, and optimize social credit resources, to enhance the bank meticulous management level, and prevent financial systemic risk, and gradually play a positive role. From the bank's management practice, new regulatory measures in the following areas meaning:

First, continue to improve corporate governance, enhance the level of scientific development. After the share reform, CCB to learn from advanced international experience, based on the established checks and balances and efficiency of the unity of modern corporate governance mechanisms, political party committee to play a central role, the Board is responsible for strategic decisions, senior management full operation, the board of supervisors to supervise. Compared with the past, strategic planning and decision-making CCB were significantly improved, more robust operation. Since early last year, the CCB proposed and seriously implement the and the red point phenomenon. Construction Bank loans for a modest amount each quarter on a smooth, no ups and downs, better to overcome the

Fourth, help to build a good credit culture and financial environment. In recent years the situation has greatly improved the social integrity of the local administrative intervention significantly reduced, but the diversion of loans is still frequent, false Piandai also occurred, hidden administrative intervention is still a certain range. At the same time commitment to the introduction of the principle of agreement, contract or agreement with the modalities of the borrower shall undertake and guarantee matters. China's market economy in the transition process, which further improve the social credit awareness, standardize the market order, bank compliance management according to law is especially important.

second, and promoting the transition to fine banks. In recent years, China's banking sector has made progress in leaps and bounds, the stock market capitalization and net profit banks have reached advanced world level, China's productivity in several major banks at current exchange rates, big banks in Europe and America has reached 65% level. However, it must be noted that China's banking industry as a whole is still in the middle-class stage of development, especially in professional business and management degree of precision is not high. responsibilities of the various aspects of the implementation of specific departments and positions, and the establishment of appropriate accountability mechanisms. This standard bank credit management, improve the level of the China Banking meticulous management is helpful.

In short, the proper regulatory authorities under the guidance of the community's understanding and support in the market and customer supervision and under the impetus of China's commercial banking operations and the refinement of professional management is rapidly improved, and will continue to achieve new progress.

Fourth, continued to promote the professionalization of reform,moncler femme, enhance the sophisticated management capabilities. After several years of efforts, largely moved to the CCB and medium-sized customers more than two branches of business, 1 / 3 of the center of the city to cancel a comprehensive branch branch set, 2 / 3 of the central city line to achieve the unified management of retail outlets . To the end of June this year, CCB to establish more than 5,000 professional business center. Among them, more than 300 small business centers, a loan center 500. Center offers specialized marketing, evaluation of the approval, post-loan management and other positions, the



Since 2005, the Construction Bank to gradually establish and improve corporate governance, the establishment of customer-centric After the introduction of new regulatory measures, Construction Bank were carefully examined to higher standards and requirements to enhance customer service levels and risk management capabilities, in many ways made new progress.
First of all, help to ensure that credit funds into the real economy. To the end of June, China's broad money supply balance of 67.4 trillion yuan, is 3.9 times the gross domestic product. However, total credit easing does not necessarily solve the structural problem of inadequate. A variety of reasons, China's banks in the past in general tend to give large companies and project loans, the excess credit resulting in part of the credit resources were not fully utilized, flowed back in the banking system, and even into the stock and futures markets, or turn to low-level redundant construction , real estate investment, hoarding of raw materials. In contrast with this is that the real economy, there are still a lot of Loans to new rules adopted This is also particularly helpful in the current inflation and asset bubbles.
second is to actively adjust credit structure, many support the real economy. Regulatory measures to implement the new loan is one of the important objectives is to encourage banks to put more resources into economic development credit weaknesses, promote balanced and coordinated development of national economy. The end of June, the bank loans to government financing platform for less than a year nearly 700 million, loans of serious overcapacity industry less than a year more than 150 million active compression out of loans more than 500 billion. And agriculture-related loans reached 704.9 billion yuan, an increase of 110 billion yuan,louboutin pas cher, an increase of 20%; loans to SMEs in corporate loans accounted for 41%, an increase of 14%; personal loans increased 159.3 billion yuan over the beginning, an increase of 14.6%. In particular, to develop personal consumption loans, the first half of this year,adidas foot, per 1,000 passenger vehicle sales have been six installments to support the Construction Bank credit card.

fifth is to optimize workflow system through technological means to enhance the management level. Enhance the professional and meticulous management, we must continue to improve policies and systems, optimize processes, improve information technology systems. Loans after the New Deal, the bank improved the standardization of the unity of the whole credit process, loan before the survey, credit approval, loan, loans, after monitoring, collateral management and asset protection and other relevant provisions of the credit business process gradually solidified into the system, efforts to Loan requirements of the New Deal through the process system to achieve. Each sum of all aspects of credit through the process clearly revealed itself, both standardized management, but also easy to find violations. Audit system, counter services and credit monitoring system to monitor real-time business to run,maillot de foot, keep track of the bank credit flows. CCB has also increased the internal audit and case prevention efforts, timely detection and correct illegal operations. These tools and methods are now received a positive effect. 相关的主题文章：


在经济不景气的影响消除后

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NEW YORK — The stock market stabilized Monday as investors looked for cheap stocks after a four-week losing streak.
The Dow Jones industrial average gave up a 200-point rally and was up 45 points by late afternoon. Compared with the wild swings of earlier this month, Monday's trading was relatively calm.
Hewlett-Packard Co. rose 4 percent, the most of the 30 large companies in the Dow Jones industrial average. H-P sank 20 percent on Friday after saying it planned to sell its PC business and stop selling other products.
Bank stocks, which have been clobbered over worries about Europe's debt crisis, took another fall. JPMorgan Chase & Co. dropped 2 percent. Bank of America lost 7 percent, the biggest drop among the 30 Dow companies. Analysts at Wells Fargo cut their price target on the bank's stock, citing fears that the U.S. could slip back into a recession.
Sam Stovall, chief investment strategist at Standard & Poor's equity research, cautioned against reading too much into the market's early jump Monday.
"A two-hour rally isn't enough to change the trend," Stovall said. "It's natural in a declining market to have some days that run counter to the overall trend."
A week ago, the stock market was also in a period of relative calm. By Thursday, bad economic news returned and the Dow fell 419 points.
The S&P 500 index has lost 12 percent this month, putting the broad market measure on course for its worst August since 1998. After falling four weeks in a row, some stocks are appearing too cheap for investors to pass up, Stovall said.
Investors are still worried that the U.S. may fall into another recession. Some hope the Federal Reserve may announce some kind of action to help the economy when it holds its annual retreat in Jackson Hole, Wyo., on Friday. It was at the same conference a year ago that Fed Chairman Ben Bernanke hinted that the central bank would buy Treasury bonds to push interest rates lower.
Stovall thinks some investors are banking on Bernanke offering some soothing words in his speech Friday. "Even if the Fed just lets people know they're not asleep, that would help," he said.
The Dow rose 45 points, or 0.4 percent, to 10,863 in late afternoon trading.
The S&P 500 rose 2 points, or 0.1 percent, to 1,125. It had been up as many as 22 points. The Nasdaq was up 5 points, or 0.2 percent, to 2,347.
The Dow has lost 10 percent this month on signs that the U.S. economy is slowing. Manufacturing dropped sharply last month; there are concerns that consumers will cut back their spending, especially after they've watched stocks plunge; and earlier in August the U.S. government's credit rating was downgraded.
The Chicago Board of Options Exchange's volatility index has soared 68 percent this month. That's a sign investors are anticipating more wide swings in the S&P 500, the index most professional investors use. The index fell nearly 3 percent Monday.
Treasury bond prices and gold have been rising this month as investors seek refuge from the turmoil in stocks. The yield on the 10-year Treasury note dipped below 2 percent last week, a record low. The yield was trading at 2.09 percent Monday afternoon. Yields on bonds fall when demand for them increases.
Gold rose 2 percent to $1,892. Gold has risen 16 percent so far in August.
Eight of the 10 industry groups in the S&P 500 rose. Telecom stocks rose 1 percent, the most of any industry in the index. Boeing Co. rose 1.8 percent after Britain's Royal Air Force said it would buy 14 Chinook helicopters for $1.6 billion.
Lowe's Cos. rose 1.5 percent. The home improvement retailer said it will buy back up to $5 billion stock over the next two to three years. Last week, Lowe's lowered its sales forecast for the second half of the year as shoppers grow more worried about the economy.
Stocks have fallen for each of the past four weeks on worries that the U.S. might enter another recession. The S&P 500 index lost 4.7 percent last week. The sharpest drops came Thursday with news of weaker manufacturing in the mid-Atlantic states and an increase in the number of people who applied for unemployment benefits.
No major economic reports are due out Monday. Later in the week, traders will be sorting through figures on new home sales, chain store sales, durable goods orders and weekly claims for unemployment benefits to see if another recession could be on the way. The government will also release revised figures for second-quarter economic growth Friday. Another significant revision downward could alarm investors.