Problems And Suggestions On Post - Loan Management Of Commercial Banks In China

Post-loan management is part of the credit management, is the commercial Banks in the credit issue until credit back after this phase the sum total of all management work, post-loan management is part of commercial bank credit management is the important means of commercial Banks to guard against and dissolve the credit risk. Commercial Banks do whether in place in the post-loan management of commercial bank asset quality is good or bad, is also related to the commercial Banks can be normal operation. Management of commercial Banks to be threatened by many risks, for example, credit risk, fluid risk, market risk, the bank want to survive in these risks, we must strengthen post-loan management, improve their ability of risk management. Banks should strengthen post-loan management work, must improve the post-loan management mechanism, improve the post-loan management common problems, but also improve post-loan inspection system,standardize the loan risk classification. At present, although most of the commercial Banks are aware of the importance of post-loan management, but due to the growing competition between financial institutions, commercial Banks in the process of management still exists the phenomenon of "heavy light tube", if not handled in time,this phenomenon will induce the credit risk, damage to the bank. This paper includes seven chapters, the first chapter is introduction, mainly introduced the selected topic background and significance, domestic and foreign literature review, research methods and ideas and innovation points and deficiencies of this article; The second chapter gives a general overview of the post-loan management of commercial bank, in this chapter mainly on the basic meaning and necessity of post-loan management,commercial Banks post-loan management system are summarized; The third chapter is the main content of the post-loan management of commercial bank, in this chapter mainly on loan after the inspection, the risk early warning and risk classification is introduced in detail; The fourth chapter mainly to our country commercial bank creditmanagement after the analysis of existing problems of induction mainly introduces the following questions: one is that after the credit risk management consciousness weak, the second is the post-loan management system implementation does not reach the designated position, three is the risk early warning system set up and practice does not reach the designated position, four is the credit after the check, five is the loan risk classification is not standard; The fifth chapter mainly introduces the foreign commercial Banks strict post-loan management organization system, scientific risk control, the advanced credit personnel management system, strict internal inspection system. From the post-loan management can draw lessons from the experience of foreign commercial bank mainly has: one is to strengthen risk management, improve the credit risk awareness, the second is to improve the credit personnel management ability, 3 it is to check the work to the scientific; The sixth chapter mainly from the management pattern, and credit risk culture construction personnel team construction and so on to strengthen post-loan management advice. The seventh chapter is the conclusion part of this article, is a problem of what is said in the above chapters.