| A few years ago, the financial meltdown in Wall Street shocked the world suddenly, all banking institutions associated with the credit almost spared, than financial institutions around the world began to attach great importance to credit risk.In recent years, commercial banks are facing more competition and uncertainty in the business with the national macro-control strengthened, the market environment more complex and volatile and the global economic integration trended to integration. Is it likely that the domestic commercial banks become insolvent like the financial giants of Wall Street? The answer is not sure, but it is sure that the "Domino" is continuing.Credit business is one of the most important business of the bank, is also the main means of profit is the "lifeline" of the bank, affects the condition of the bank, and the industry as a whole. The loan management is the last process of the Credit business, is also the security, is the foundation of the "lifeline". However, due to various reasons, the domestic commercial banks including Gansu CCB pay attention to lending than the loan management. With the growing size of the credit stock, the work to strengthen loan management of Gansu CCB, the weakness of credit management, has become more and more urgent. How to improve the loan management capabilities comprehensively by innovating ideas, perfecting mechanism and strengthening infrastructures has become an urgent problem to deal with.This paper based on the actual situation of Gansu CCB, wants to find solutions to improve the ability of the loan management of Gansu CCB Gansu, and provide a reference for the related research.This paper consists of six chapters, the first chapter introduces research background, contentand, ideas and methods. The second chapter carries on the explanation to the connotation of loan management, introduces the theory of knowledge, and the advanced experience of management after loan of domestic and foreign banks. The third chapter analyzes and review the mechanism of loan management, find the problems existed and analysis the reasons profoundly. The fourth chapter is the overall conception and layout to improve the management of Gansu CCB. The fifth chapter introduces the safeguard measures and prediction effect. The sixth chapter Part is the conclusion and prospect. |
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