Commercial Bank Credit Risk Management After Loan Research

Currently, China’s economic situation is complicated and changeable. It is happened frequently that companies are defaulting on loans. The pressure of risk control of commercial banks increases. Credit risk management after loan is very important part in credit risk management of commercial banks and important guarantee of credit security. Now commercial banks of China take no account of credit risk management after loan, while put more attention to pre-loan management. At the same time, the post-loan management consciousness of commercial banks of China is too weak. And post-loan management system is not perfect. Credit risk management after loan becomes a weak link in credit risk management of commercial banks. The economy environment is getting complicated and competitive. As well, post-loan management becomes particularly important.Firstly, this paper states the concept, main content and theoretical foundations of post-loan management, then analyses the progress, current situation and problems of credit risk management after loan of commercial banks of China. Secondly, taking Industrial and Commercial Bank of China XX subbranch bank as an example, this paper raises problems found in credit risk management and factors that affect risk management after loan. In the end, this paper puts forward solutions and improving measures that reflected in six aspects, such as fostering post-loan management concept, perfecting post-loan management system, building sound risk early warning system and measurement system, strengthening the construction of post-loan management team, strengthening information management, speeding up the transformation development.