西安理工大学工商管理硕士专业学位论文 本文研究结论有利于提升 ZX银行新乡分行的公司贷前调查工作水平和风险控制能 力，同时鉴于公司信贷业务贷前调查工作的重要性与普适性，希望可为其他商业银行改善 其贷前调查工作提供参考与借鉴，以助推我国商业银行的高质量发展。 【关键词】公司信贷业务，贷前调查，存在问题，优化策略，保障措施 【研究类型】应用研究 II 西安理工大学工商管理硕士专业学位论文 in the banks pre-loan investigation work are that the pre-loan investigation and assessment system is not perfect, the risk appetite of the pre-loan survey has not been unified, the implementation of the pre-loan investigation system is not in place, and the professional ability of pre-loan investigators needs to be strengthened. Then, further analysis explores the root causes of the problems: first, the construction of risk management culture is not in place. Second, the professional quality of pre-loan investigators is low, third, the guidance of assessment policies for due diligence is insufficient, fourth, the ability training methods of pre-loan investigators need to be improved, fifth, the allocation of pre-loan investigators needs to be optimized, and sixth, the pre-loan investigation business process needs to be improved; Then, in view of the problems existing in the pre-loan investigation, according to the guiding principles of professionalism, accuracy and balance, the strategy for optimizing the pre-loan investigation work of Xinxiang Branch was proposed: improve the construction of risk culture; improving the professionalism of investigators; Optimize policy guidelinesand pre-loan investigation and assessment system; Improve pre-loan investigation business process and support system; Rational allocation of pre-loan investigators; Finally, the implementation guarantee measures of the optimization strategy of the banks pre-loan investigation work are given. The research conclusion of this paper is conducive to improving the level of corporate pre-loan investigation and risk control ability of ZX Bank Xinxiang Branch, and in view of the impo