The Research On Professional Post Loan Management In Real Estate Credit Application For BOC Liaoning Branch

In recent years, the real estate industry has becomes to be an important credit field in domestic commercial banks. It’s credit assets proportion in all commercial banks is increasingly apparant. After commercial banks furnish credit to the real estate enterprises, due to several characteristics generally exists in domestic real estate industry such as the high rate of assets and liabilities, capital steam again of long cycle, industry knowledge professional strong, etc., carries on the post loan management difficult. In the complex market competition, in order to ensure the security of credit assets of commercial banks, we should adopt means of professional management processes, tools and mechanism to implement professional post loan management and actively improve the professional post loan management level in real estate credit. In this way, we can detect the potential risks at earliest, predict in advance and coping with actively, effectively preventing the substantial risk in real estate credit.This paper firstly from analyzing of credit and content and characteristics of post loan management, introduce basic knowledge, then the professional post loan management situation and characteristics, as well as it’s differences with traditional post loan management, Subsequently, this paper focuses on the research of physical truth and practical difficulties in Liaoning bank real estate credit loan management, Finally, some suggestions are presented in view of related question, emphasizing that the Liaoning Bank of China is necessary to establish a perfect professional post loan management system, increase innovation strength, to establish a professional post loan management system suit for the real estate credit business development, focus on the promotion of post loan management personnel’s quality, and continuously improve the level of science and technology of post loan management and information platform construction and application, etc., and then promote the Liaoning bank real estate credit business developed healthy and stable, tamp the commercial bank asset quality, to ensure the bank gain a leading position in the financial market competition.This article puts forward strategy proposals of professional post loan management which suit for Liaoning BOC real estate credit business development, hopes helpful to risk prevention of Liaoning bank real estate credit.