Post-loan Management Of Commercial Bank-to ICBC H Branch Post-loan Management Companies As An Example Of The Y

Post-loan management has been the weak link in credit management inChina’s commercial bank financial institutions. From the historical data, post-loanmanagement is an important cause of poor loan losses. If the problem of short boardpost-loan management cannot be solved, in the long run, it will affect our credit assetquality and operating efficiency of banks in banking financial institutions, even hinderthe healthy and sustainable development of banks and restrict banks to enhance thecore competitiveness. Therefore, through improving post-loan management systems,effectively solve the credit management "heavy lending light pipe" problems andimprove the overall management of banking capabilities and the level of competition.Firstly, through the analysis of domestic and foreign literature about post-loanrisk management, summarizing the relevant theory and research results of the bankpost-lending management. To ICBC H branch in corporate lending management of Yas the research object, preclude the use of literature analysis, case analysis and othermethods, then on the basis of field visits, interviews and data analysis, analyze the Hbranch of the Y-enterprise post-loan management problems, internal and externalreasons, concludes with a corresponding improvement suggestions.Through analysis, this paper argues H branch of ICBC post-loan management inthe following major issues: pay much attention to check before credit and neglecttrack of post-loan, bank senior management attention is not enough, insufficientnumber of loan officers, post-loan management specialization is not strong, the lackof effective post-loan management information systems and management tools. Frominternal reasons: first, the current post-loan inspection system has defects after; thecontents of post-loan check are not clearly defined and the result is that post-loancheck is just a mere formality and loans pose a risk. Second, mutual restraint betweenthe credit departments is not enough, client manager makes too heavy workload topay attention to post-lending management. Third, because of the lack of credit riskprevention incentives, client managers are short of motivation to post-loan management.Based on the results of this paper that the H branch of ICBC should be based on thelong-term interests of the bank’s, attaches great importance to the post-loanmanagement and strengthen post-loan management level. This paper proposes thesolutions that shift from the traditional post-loan management concepts of "heavylending light pipe", nurture talent and build client manager team, improve post-loaninspection system, establish an effective post-loan management incentives mechanism,improve post-loan management process and put forward solutions and specificmeasures.