Research On The Post-Loan Management Of A Bank

Post-loan management is extremely important for credit management, good post-loan management can effectively reduce the credit risk of commercial Banks, to reduce the non-performing loans of commercial Banks. At present, our country's commercial Banks are faced with great risks, bad credit assets is higher, post-loan management also very does not reach the designated position. Therefore, analyzing the present situation and problems of post-loan management of commercial Banks, to develop a more reasonable post-loan management strategy to promote our country commercial bank especially after local city commercial bank credit management level has the extremely significant significance.This paper first analyzes A after the bank credit risk management status, and to evaluate A after the bank credit risk management. A second analysis after the bank credit risk management has some problems, mainly has the following several aspects:post-loan risk management consciousness weak, post-loan management system needs to be perfect, loss of post-loan management foundation work, post-loan management effect is poor. And analyzes its reason, mainly has the following several aspects:post-loan management concept and post-loan inspection work, post-loan management examination; On this basis, to improve A bank post-loan management countermeasures and Suggestions:to foster employee post-loan management culture, improvement of post-loan management system, strengthen post-loan management foundation work, attaches great importance to the post-loan management effect evaluation. Finally, the paper puts forward A bank post-loan management measures of the implementation of the security:system security, legal protection, guarantee of talents, optimize the internal environment.This article through to A bank post-loan management problems and deeply analysised the causes of these problems, and aiming at the problems A bank post-loan management puts forward the corresponding solutions, help to control A bank loan risk, improving the quality of credit assets, A bank with stronger ability of post-loan risk control.