Research On Post-Loan Credit Risk Management Of BA Bank

Among risk which commercial bank faced, credit risk is main subject of risk management of commercial bank, and whether post-loan credit risk management is good or not is the critical factor of commercial bank business performance. However, focus on loan release and ignore post-loan management commonly appears in commercial bank. The neglect of post-loan credit risk management leads underlying risk problem constantly enlarging. In order to improve post-loan management and strengthen risk management, this paper deeply analyzed post-loan credit risk management of commercial bank, and give suggestions against the existing problems.Based on BA Bank’s post-loan credit risk management, this study summarized BA Bank’s Credit Control Procedure, Post-Loan credit risk work flow and Internal Credit Risk Assessment and pointed out the existing issues, including lack of further post-loan inspection, communication inefficiency among departments related to post-loan credit risk management, allocation of human resource is uneven, high employee turnover and application limitation to China of Internal Credit Risk Assessment.This paper analyzed what caused the post-loan credit risk management issues of BA Bank. It is including weak of post-loan credit risk management consciousness, faulty China economic system and credit data, limited well qualified client caused buyer’s market, relatively undeveloped capital market and law system etc.At last, in order to enhance post-loan credit risk management of BA Bank, refer to relevant literature study and domestic and international theory on credit risk, give following suggestion again its existing issues:(1) Enhance good culture building of risk management, (2) Refine application to China of Internal Credit Risk Assessment, (3) Build up professional post-loan management team, (4) Improve and refine incentive management system.