The Problem Of MM Commercial Bank Credit Risk Management After Loan And Counterplan Research

Credit risk management after loan is the important part of credit risk management of national commercial bank. Now there are quite a few problems existing that is hardly ignored in the credit risk management after loan of national commercial bank, that cause the credit risk difficult to finger out betimes so that we missed the best chance to avoid the danger.This paper takes MM national commercial bank as reviewing object, I put forward the methods to solve the problems on the basis of looking into a large quantities of data and making investigate and research in national commercial bank's credit risk management after loan. I raise a point to optimize the system structure and processes of the credit risk management after loan, as well as the suggestion to set up three accounts to track the activity of each loan. Optimize the signal to forewarn with the credit risk, I set up a suit of index to quantitate the standards of loan's risk classification in the management after loan referring to the catalogue standards in the advanced bank abroad.This text is divided into four parts.Firstly, I analysis the necessary to enhance credit risk management after loan in our national commercial bank, also, I introduce and analyze the condition, and the credit circumstance of credit risk management in domestic and abroad.Secondly, I investigate and study a national commercial bank, introduce the circumstance of credit risk management after loan of the commercial bank.Thirdly, I point out the problems that the national commercial bank existing in credit risk management after loan.At last, I bring up some measures to improve the level of credit risk management after loan for MM commercial bank.