The Study Of Post-loan Management Of Industrial And Commercial Bank Of China

With the increase of the economic and the investment demand, the size of our country’s banking financial institutions’ credit is on a new step. Till the and of 2013, the local and foreign balances of our country’s banking financial institutions is 72.09 trillions, while the total balance of 2014 is 81.68 trillions with an increase of 13.3 percent.But the profit growth of banking sector has declined, it dropped to 9 percent. Compared with the number of 2014, it has declined for 14.5 percent.Facing the slowdown of the credit scale growth and profit growth and the more and more prominent credit risk problems,the control of the bank credit risk is to enhance the level and the quality of credit assets of China’s banking institutions.Therefore, increasing the bank’s credit risk management ability has become the key to stable financial environment in our country.The post-loan management as the last ring of bank credit risk management of the whole process, is also one of the most important part to prevent and control the credit risk of the bank, It can also improve the whole bank system operation management ability and competition level. So it is very significant for banking research.Industrial and Commercial Bank of China Co., LTD, as a leading bank in our country, plays an exemplary role in the development of all aspects of China’s banking industry. This paper selects the Industrial and Commercial Bank of China as the research object, referring to the advanced foreign commercial bank credit management experience, after the combination of the present situation in the post-loan management of Industrial and Commercial bank, this paper analysis the reasons of the problems that exists in the process, for example, the early warning mechanism is not flexible, incentive mechanism failure and the other problems in the process of post-loan management.At the same time,the paper draws the lessons from the domestic and foreign advanced post-loan management methods and concepts, and puts forward available suggestions such as standard corporate governance system, strengthening the construction of credit culture, strengthening the credit risk management, as well as promoting the credit personnel quality to improve and upgrade the level of Industrial and Commercial Bank of China credit management.