A Study On Post-loan Supervision Of Credit Risk Of Bank C

Finance, the core of modern economy, the quality of a country’s financial operation,the level of efficiency, is quite important to healthy development of the national economy.Under the conditions of the socialist market economy with Chinese characteristics, indirectcredit of bank is the keynote of our country’s financial system, which determines theimportant position of banking industry (especially commercial banks) in the nationaleconomic system, and therefore, study on China ’s financial sector mainly refers toresearch on commercial banks.Credit, the core of commercial banking business, is the major source of commercialbank profits. About70%-80%of assets in commercial Banks belong to credit assets,therefore risks faced by commercial banks mainly comes from asset credit risk. Benefitsalways come along with risks, and high-yield definitely means high risk. While ensuringbank’s credit income, effective risk control consists the core of credit risk management forcommercial bank. It is necessary to compile a scientific and rational management systembefore and after loans for credit asset management and credit risk precaution. Therefore,post-loan management is an important step to prevent risks of commercial banks, which hasmuch researching significance for banks to identify, pre-warn, control and mitigate risk.important significance. Since China’s four major state-owned banks and commercial banksaccount for large shares in domestic financial market, experts and scholars have researchedon credit asset management in a multi-aspect, deeper and fruitful way for a long time,having concluded plenty of theoretical results, which, however, has always been a weaklink of commercial bank credit management in China.Based on previous studies and combined with the current developing situation ofChina’s financial market, this article conducts deeper research and conclusion onmanagement of bank credit assets (emphasizing on post-loan management), makes analysison the existing problems in credit assets post-loan management in Bank C based on theoriesusing the combined method of qualitative and quantitative analysis.at the end,we proposerelevant suggestions.This article aims at being beneficial to credit business risk preventionin Bank C through putting forward post-loan management policy recommendations suitablefor development of crediting business in Bank C.