Abstract
Based on previous commercial bank management practice, the article puts forward the model of life-cycle management measured by efficiency. Take credit granting as an example, the whole process can be divided into five steps: application, assessment, approval, contract signing, and loan withdrawal. The model also establishes the evaluation indicators including: assessment pass rate, approval pass rate, signing ratio and withdrawal rate. The evaluation indicators were chosen to exhibit the efficiency and stability of the internal operation. The article analyzes how the workload and policy guidance affect the efficiency of the credit granting process through regression model. It demonstrates that life-cycle model is conducive to improvement of risk management. The life-cycle model can also be further introduced into other aspects of bank management to improve the overall quality and efficiency of commercial banks.
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