Research On The Post-loan Management

Post-loan management plays an important role in commercial banks’ creditmanagement, and further, it is the fundamental guarantee for commercial banks’operation safety. But recently in China, commercial banks are lack of awareness on theimportance of post-loan management, so loan management did not truly enhance andimprove the quality of credit assets as the banking business’"life project" task. Inpractical business, the phenomenon light loan recovery; heavy lending marketdevelopment, light regulation customer trends; heavy loan before the survey, loan,reviewing, light post-loan problem, resulted in many problems in the post-lendingmanagement, and even producing a greater loss.Based on the relevant data has been obtained, compared to the statistical dataanalysis, theory and empirical analysis study, this paper explored the development ofChina’s commercial bank credit markets and the general laws of the microscopiccharacteristics, by drawing on foreign commercial bank loan management’s advancedexperience combined with the status quo of China’s commercial bank loan managementand empirical analysis and discussion by the method of questionnaire survey of itsexisting loan management issues. Finally, after analyzing the current situation ofICBC’s loan management, combined with foreign commercial banks’ experience, thispaper put forward some improving strategies of commercial banks’ loan management:(1) to comprehensively strengthen the important role of post-loan management;(2) topromote the post-lending management system construction;(3) to establish incentivemechanisms;(4) to construct a high-quality loan officer team.