Branch Of Construction Bank CCDD Post-loan Management Of Credit Operations

Construction Bank since the restructuring, asset structure and profit structure has undergone great changes, mainly in the bank’s non-credit assets and gradually increase the proportion of intermediate business income, but I still constitutes the main line of the profit to the company credit interest based.2010Branch of Construction Bank CCDD business credit interest income and total income derived from intermediary business,63%of total revenue. I Bank loan composition, a larger proportion of the stock of credit, bank loan management work is essential.Today, banking is becoming increasingly fierce, credit marketing and risk prevention is a contradiction. Positive pre-loan marketing, to give managers an objective to bring the line current income, and loan losses will have to confirm the actual loss loans, which resulted in post-loan management does not reflect on the current efficiency, attention to the primary line of credit before the marketing, ignoring the post-loan management. With post-loan management is difficult, exhausting large, but the actual income is small, post-loan management personnel negative response, an actual risk, passive acceptance.This paper in order to build bank branches CCDD post-loan management of business issues, through in-depth research, identify problems, analyze problems, and proposes the development of the strategy. Text is divided into six chapters:The first chapter introduces the research background, purpose and significance of domestic and international research profile and research ideas and content.The second chapter describes the post-loan management concepts and theoretical analysis.The third chapter on the branch of Construction Bank CCDD status and post-loan problems, such as operating status, the characteristics of public business development, loan management process, post-loan problem analysis.Chapter IV of the Construction Bank branch CCDD Causes of post-loan management problems, such as the concept of post-loan management, loan after the inspection, post-loan management team, post-loan assessment, bank and information asymmetry.Chapter proposed the construction of branch banking CCDD post-loan management measures, such as foster full post-loan management philosophy, then the difference post-loan management, construction loan management system and mechanism, the establishment of specialized post-loan management team. Chapter VI of this study were summarized, and made to continue research.As the limits data collection, combined with time constraints, and the current post-loan management of commercial banks need further research to explore in future work, we have to look at several aspects to strengthen the research:First, how will the introduction of post-loan management process customer credit rating, so that the quantitative approach through analysis of business risks.Second, how to use management information systems, to provide a conducive business information related to post-loan management, so as to provide a favorable post-loan data to support.