Research On Post-Loan Management Of HS Bank

The commercial bank credit management and risk control has become one of the core competitiveness of the bank, as an important part of the credit risk management, credit risk management of commercial banks are also increasingly become the focus of attention. In recent years, from the point of view of our country commercial bank credit risk case, after the loan risk of inadequate attention and credit risk control plan is not perfect is the main reason leading to the commercial bank cannot in the credit risk occurs in a timely manner to resolve the risk, non-performing loans rate directly affect the commercial bank.This article from the commercial bank credit risk in the credit risk management point of view, taking HS bank credit risk management for the case of the analysis of the causes of the risk and risk control scheme and so deep. Through the analysis, this paper argues that the HS bank credit risk especially the concept of risk management after the loan deficiency, post loan risk control scheme is not perfect, credit risk management implementation and early warning capacity issues such as lack of risk of HS are the main factors leading to bank loans after the. Then, based on the reference of foreign advanced commercial bank credit risk management advanced experience, suggestions and Countermeasures of risk management and put forward the corresponding loan to promote the HS commercial bank credit risk management and control. This paper believes that the credit risk concept of culture, the credit risk management system development and implementation, optimize the credit risk management process and improve the bank risk management departments and other measures are to some extent improve the HS bank credit risk management and control level.To sum up, this paper takes the analysis of risk management of HS bank credit in the promotion of HS banks to improve credit risk management system construction and optimize the credit risk management process and the bank organizational structure has a positive practical significance, and it also can provide certain reference significance for other commercial bank credit risk management and control.