Research On Post-lending Management Guangfa Bank

Guangfa Bank must take risk as a key task, correctly handle the relationshipbetween the risk and potential risks at sight. For the current banking regulatoryenvironment faced by further tightening in2012. Although in monetary policy in thereserve requirement ratio and interest rate cut to a certain extent, ease the tight creditfunds, but along with the advancement of interest rate marketization process ofGuangfa Bank liabilities business pressure, part of the assets of the business also underthe control of the deposit-loan ratio and capital adequacy ratio and difficult toeffectively develop, Guangfa Bank’s profit growth will be tested.This article is divided into four parts. The first part is the introduction. This papermainly introduces the research background and significance, theoretical foundationand literature review and research contents and methods. After the second part is theguangdong development bank credit risk management present situation analysis.Mainly analyzes the guangdong development bank risk category, evaluation afterguangdong development bank credit risk management; After analysis of guangdongdevelopment bank credit risk management problems and reasons. After the third part isthe guangdong development bank credit risk control scheme design. After the analysisof guangdong development bank credit risk control mode selection, design the systemof the early intervention after bank lending, the content of the design after the bankloans early intervention. The fourth part is the guangdong development bank loansafter the implementation of risk control plan. Design after the bank credit risk controlplan implementation process, put forward after the bank credit risk control planimplementation safeguard measures, effect evaluation after the bank credit risk controlscheme.This article research is helpful to further improve the Guangfa Bank, perfectingthe credit risk management system, adjust the credit risk management organizationstructure, after the optimization of credit risk management after operation, tostrengthen post-loan management risk early warning system and managementinformation system construction, thus effectively after control of Guangfa Bank creditrisk, improve the quality of credit assets, Guangfa Bank health science to achievedevelopment and participate in international competition to provide some reference.