What is the relationship between the credit approval department and the credit management department?

What is the relationship between the credit approval department and the credit management department? This, this, this, how can I put it? This problem is very complicated when it is big, so I will try my best to keep it simple. Why big? Because we also learned the concept of risk management from abroad. According to foreign thinking and organizational structure, this is the core department of a bank, involving all business departments and management departments, which is the so-called comprehensive risk management framework. It is too broad and too deep, so I won't go into details. After the introduction of this concept, the domestic banking industry has been improved in combination with its own organizational structure, and the changes of each bank are different. Some have the same name and the same architecture on the surface, but in fact they may be very different.

Generally speaking, the examination and approval department is relatively simple, only responsible for reviewing the credit business of companies or individuals, and its main role is to provide examination and approval suggestions for those who have the right to sign and approve; The credit management department is generally responsible for other management functions related to credit, including but not limited to credit rating, post-loan management, file management, etc. At present, the business risk management department and the functional risk management department are basically merged, and none of the domestic banks I know have seen them set up separately.

Which is better, the compliance department of foreign banks or the credit management department? If you work in compliance for two years, how about going to the credit management department? The function is different. The credit department is under performance pressure, and it is often necessary to assess the completion of loan tasks and the non-performing rate. The Compliance Department is a specialized credit card department. As long as there is any problem, you have to apply for a card, but basically there is no great performance pressure, except that some banks will ask for the assessment of the manslaughter rate of the Compliance Department, and the problem is not big.

As for which development is good, this is a matter of opinion, depending on what you are good at. Anyway, the position in the compliance department will be more secure, and the credit department will be a little bumpy.

The relationship between management department and MSDS? Personally, I think the role of document management in the whole process is to store foreign files for emergencies.

Usually, the method adopted by the company is to purchase msds data and the acceptance letter from the supplier, and submit it to the corresponding R&D engineer for approval. After the engineer completes the relevant tests and inspections, all the data will be submitted to the document management, which will check whether the environmental protection data such as msds are valid and correspond to the transaction. The internal approval letter issued by the document management company is usually in triplicate, one of which will be kept in the document management, one for the manufacturer and one for the qc unit. There should be dynamic file tracking in the later file management, and expired environmental safety files should be notified and tracked.

The credit management of the credit management department.

What does the credit management department do? Specifically, I know that it is lending and approval. Specifically, 3Q is mainly responsible for the management of credit loans of financial institutions. What is not simple is lending and approval, as well as the amount of lending, credit management of the lender and so on.

How to enter the bank's credit management department If you want to enter the bank's credit management department, you must first enter the bank. No matter which department, you must apply to the bank first. After recruitment, you should learn more about bank credit knowledge and business skills and become a backbone member of the bank. It is not far from entering the credit management department.

The Credit Management Department of Agricultural Bank of China emphasized the importance of risk management at the end of the month.

There is no model essay.

The following is for reference,

Mainly write down the main work content, how to work hard and the achievements, and finally put forward some rationalization suggestions or new efforts. . . . . . .

Work summary is to let the superior know what contribution you have made and reflect the value of your work.

So you have to write a few points:

1, your understanding of the position and work 2, what did you do specifically?

3. How did you work hard and what things did you solve with your brain? Even if it's nothing, write something difficult. How did you solve it through hard work?

4. What abilities or knowledge do you need to improve in your future work?

5. The superior likes people who take the initiative to work. You should make all the preparations in your work, that is, the preparations in advance are as follows for your reference:

Summary is a comprehensive and systematic overall evaluation and analysis of the situation over a period of time, and analysis of achievements, shortcomings and experiences. Summary is a kind of applied writing, which is a rational thinking about the work that has been done.

Basic requirements of summary

1. Summary must have an overview and a description of the situation, some simple and some detailed.

2. Achievements and shortcomings. This is the main content of the summary. The purpose of summing up is to affirm the achievements and find out the shortcomings. What are the achievements, how big, how to use them and how to achieve them; How many shortcomings there are, what aspects they are manifested in and how they are produced should be clearly written.

3. Lessons learned. In order to facilitate the future work, we must analyze, study and summarize the previous work experience and lessons to form theoretical knowledge.

Summarize the precautions:

1. We must seek truth from facts, the achievements are basically not exaggerated, and the shortcomings are basically not narrowed. This is the basis of analysis and learning lessons.

2. Clear organization. This sentence is fluent and easy to understand.

3. Be detailed and appropriate. There are important things and minor things, so when you write, you should highlight the key points. The problems in the summary should be divided into primary and secondary, detailed.

Basic format of summary:

1, title

2. Text

Introduction: overview, overall evaluation; Summarize the full text.

Subject: analyze the shortcomings of achievements and sum up experiences and lessons.

Conclusion: Analyze the problem and make clear the direction.

Step 3 sign

Signature and date

If you want to enter the bank credit management department, you need to obtain a qualification certificate.

What is the relationship between China's credit growth and China's economy? What is the relationship between credit card approval rate and credit growth in China? One's own foolish views

Credit growth-> The loan scale has become larger-> More deposit currencies-> Individuals and enterprises have more strength to invest-> Make the economy prosperous

But we can't expand the scale at will, otherwise it will lead to inflation.