Study On The A Branch Of ZG Bank's Risks Management Of Corporate Credit Assets After Loan

As special enterprises operating currency,high debt and leverage make the risk Commercial Banks facing more destructive than general enterprises,and the risk which Commercial Banks facing is mainly credit risk.Because of risk usually happen in the after loan stage,though the measures taken before loan and in the loan is effective,with the time pass by,the economic environment and business conditions is always changing,the borrowers' repayment abilities is also changing at the same time.So,risk management after loan is the most important in the three stages. Currently, the economic of domestic and overseas are all going down,,the phenomenon of real economy capital chain rupture and credit defaults happened frequently,and Commercial Banks'non-performing loans and non-performing loan ratio are under the trend of increasing dramaticly,so it's urgent to do research on Commercial Bank's credit risk management.A Branch of ZG Bank has always attached great importance to protect it's credit assets, and dedicated to study on the mechanism and measures of credit risk management after loan, But now, the new economic situation is putting forward new requirements and challenges to A Branch.Drawing lessons from the basic findings of related research domestic and foreign, this paper analysed the problems of the management after loan of corporate loan with consideration of A branch's actual situation. Indeed,four main factors contributed to these issue including lack of credit management incentive and restraint mechanisms, management position and responsibilities are not reasonable, post loan supervision are in the air condition, lack of information linkage mechanism.At last,this paper propose a series of corresponding countermeasures such as improve the training and evaluation of the professional talents, optimize the post loan management positions and responsibilities of the division of labor, optimize the construction of credit management process system, perfecting after-loan supervision mechanism and enhancing and sharing the flow of the credit information.Combined with the actual situation of A branch of ZG Bank,and studying the credit risk managemen of the corporate's loan,it's providing an important reference for the Commercial Banks to solve the problem of credit risk management of corporate loan.