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随着我国商业银行的快速发展,担保信贷业务逐渐发展,逐渐成为中小企业融资的主要渠道,但是由于担保信贷业务自身特性,在实际业务开展过程中存在明显的风险隐患,很容易对商业银行资金安全造成威胁,不利于银行的持续发展。所以说,当前商业银行如何有效做好担保工作成为风险管理部门首要问题之一,为了能够更好的维护商业银行资金安全,谋求长远发展,在当前信息时代背景下,将先进的信息技术应用在银行担保品管理中,构建完善的信息系统是十分有必要的。由此,本文主要基于Web的银行担保品管理信息系统,结合实际情况,提出合理的管理对策,以求更好的维护商业银行担保品安全,保证资金安全,谋求长远发展。
With the rapid development of China’s commercial banks, secured credit business is gradually developing and gradually becomes the main channel for SME financing. However, due to the characteristics of secured credit business, there are obvious potential risks in the actual business development and it is easy for commercial banks to make capital Security threat, is not conducive to the sustainable development of the bank. Therefore, how to effectively guarantee the work of commercial banks has become one of the most important issues for risk management departments. In order to better maintain the capital security of commercial banks and seek long-term development, under the current information age, advanced information technology is applied to Bank collateral management, building a sound information system is very necessary. Therefore, this paper mainly based on the Web-based bank collateral management information system, combined with the actual situation, put forward reasonable management strategies, in order to better maintain the security of commercial bank collateral to ensure the safety of funds and seek long-term development.