| In full-credit business process management of commercial banks, the survey before the loan, loan approval and post-loan management are equally important in the status. The loan before the detailed investigation, and strict loan approval mechanism in the recovery of principal and interest on credit assets are the premise on schedule. Effective post-loan management work flow of bank credit assets are a fundamental guarantee for achieving security. Levels of commercial banks post-loan management are essential in raising the level of comprehensive risk management standards, and enhance the core competitiveness of commercial banks. Current China Construction Bank has established a customer access, the project access, customer credit ratings, limits approval, loan approval and a series of separation methods and means to ensure the investigating of the loan pre-approval and loan compliance. To strict control the risks in credit before. A series of loan management methods would be inconsistent with the head office of the credit risk preference unified shut out, in order to ensure sustainable development of credit business has played a greater contribution. But the post-loan management practice is still followed in the past and has become the weak links in a full-credit business process management, and is a serious constraint in the healthy development of commercial banks credit operations, the current post-loan management needed to change the status quo, timprove post-loan management standards, and achieve the credit effective management of entire business objectives and promote the sustainable development of credit business.It is the key that we establish a long-term mechanism of post-loan management for improving China Commercial Banks credit management level.This paper is divided into five parts. The first part analysis post-loan management work in the background and significance, and post-loan management in the strategic position of the bank survival and development. The second part define the post-loan management concepts about a clear risk, risk management philosophy, credit, credit risk, post-loan management concepts and post-loan management work in the content and procedures; The third part analysis the post-loan management of China Construction Bank CCXAB branch current situation and the credit business status, post-loan management system and the main problems; The fourth part from a risk management culture, post-loan management mode, I have a idea about the establishment of post-loan management put forward of long-term mechanism; fifth section presents long-term mechanism to implement post-loan management of specific measures.The first chapter, first introduced the study of the significance and background of post-loan management. Post-loan management is to achieve commercial bank credit assets on schedule, to recover the fundamental guarantee of principal and interest, to achieve commercial banks to ensure profitability, to achieve commercial banks to maximize the goal of ensuring the interests of shareholders. A good post-loan management is a guarantee to realize the regulatory requirements of The New Basel Capital Accord. A good post-loan management is an information assurance to meet the disclosure of the commercial banks. Then I introduced the post-loan management work is a strategic position in the banks survival and development. Effective post-loan management work can be pre-identification, measurement of credit risk and to develop preventive or remedial measures to solve the credit risk. Effective post-loan management work can be discover that companies have the potential business needs, to grasp the lifeline of the market economy and business opportunities, to achieve a customer-centric business philosophy, to cultivate customer satisfaction and loyalty. An effective post-loan management can be scheduled loan repayments of principal and interest, to discover new business and profit growth point, to improve the economic interests of commercial banks.The second chapter describes the post-loan management concepts, risk and closely linked to commercial banks. Commercial banks can not avoid risk, only to face, control and management of risk, the first article first defined the concept of risk and risk management. In 2004 published The New Basel Capital Accord, clear the current commercial bank risk management is no longer a single credit risk management, but rather credit risk, market risk, operational risk, etc. the coexistence of multiple risk comprehensive risk management. Commercial bank risk management concept is also from a capital adequacy ratio, deposit-loan ratio, the proportion of single customer credit control and other risk indicators continue to shift as the core capital adequacy ratio, in order to focus on credit risk management and highlighted the minimum capital requirements, regulatory authorities supervision and inspection, and market discipline as the core of the three pillars of comprehensive risk management system. Credit business is still the current core business of domestic commercial banks, so commercial banks in credit risk management is an important aspect of risk management, through the reform and development in recent years, CCB has established a relatively perfect credit investigation and credit pre-approval mechanism, compared good control of the loan before the risk, but the post-loan management work has not been fundamentally improved credit management as a constraint to the weak links in China Construction Bank. The specific content of the post-loan management and working procedures were analyzed.The third chapter analyzes the current credit business status, post-loan management system of work and post-loan management main problems of China Construction Bank CCXAB branch. Construction Bank has established the current inspection system of credit assets, and credit risk classification system of assets and customer credit rating system to strengthen the post-loan management work. It is said that these systems of the post-loan management have a certain role in promoting the work, but from the implementation of the circumstances view, post-loan management work also are more problems. The post-loan management works are poor awareness. The post-loan management system can not sufficiently sophisticated to normal classes, can not meet the credit needs of customers and business management. Customer varying quality manager, post-loan management can not meet operational needs and other issues.The fourth chapter, proposed the establishment of post-loan management the idea of long-term mechanism for post-loan management problems, combined with New Basel Capital Accord; full of risk management philosophy, a comprehensive range of risk management, risk management throughout the process of and new risk management approach demands a comprehensive risk management system. I design policies and systems a risk management culture, three-dimensional style of management and employee incentives, to improve the post-loan management of the system design.Chapter V, for the implementation long-term mechanism of post-loan management and to achieve the post-loan management target, the article by raising awareness of risk management, the establishment of parallel operation mechanism, enhance the quality of client managers, improve post-loan management tools and methods, the establishment of specific work categories such as customer management.Based on the above analysis, the article concluded that: the establishment of post-loan management long-term mechanism to trust comprehensive risk management theory. From the personnel, systems, management methods in a bid to establish effective management systems and methods, to improve post-loan management risks awareness, to improve post-loan management personnel professional quality, improve post-loan management system and improve the post-loan management methods to change the status of the weak post-loan management, to improve post-loan management level, to promote the healthy development of credit business-wide processes. |
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