The Company Credit Business Post-loan Management Research Of BC Bank ZB Branch

Since the USA subprime mortgage crisis triggered by the financial crash, global economy is in a complex environment that is very difficult to estimate.China because of the constantly increase the intensity of reform and opening up, therefore more closely contact with the world as a whole, domestic economic fluctuation is gradient must synchronize with the world economic ups and downs, in the current financial mode, the banking industry as the most important pillar industry, also because of the country’s financial market opening, by the world environment effect. In this complex situation, must be improve the bank’s core competitiveness, and improve the main way, but also dependent on risk management, the improvement of the economic early warning system established.Among the post-loan management of the banking sector is now the most weak link, thus increasingly need comprehensive research and analysis, so as to give a solution.Commercial banks are the risks of operation and management of the enterprise, credit risk management is the main content of the risk management of commercial banks, credit risk management is more and more embodied in pressure link management after loan. At present, most of the bank industry of our country financial institutions exist "refinance light pipe" phenomenon, the lack of understanding of the importance of management after loan, no management fundamentally after the loan and credit asset quality as the banking system’s "life project". Performance in the actual business as heavy loan market expansion,light regulation of customer trends; heavy loans, loan recovery of light; light weight deposits, loan management; heavy pre loan investigation and loan review, light management after loan, this a series of problems lead to post loan management work becomes a mere formality, resulting in risk warning failing to take timely and effective measures, resulting in the loss of the larger banks.The theory by combing and summarized the domestic and foreign related post loan management, to realize the important role of management after loan credit business in contemporary bank development, and taking BC bank ZB branch is the research object,analysis the bank exists in the company business management after loan in question, and deep into the main reason analysis of the cause of the problem and put forward the improvement measures effective, which not only promote the management of the BC bank ZB branch after the loan has practical significance, for the management work of the whole loans of China’s banking industry after carry out also has theoretical reference value.