Study On The Post-loan Management Of The Agriculture Credit Of Postal Savings Bank-Chongqing Jiangjin Branch

Today, as China government pays increasingly more attention to the problems of agriculture, rural areas and farmers, rural economy is heading for the rapid development. However, most agricultural companies in Jiangjin are still confronted financing difficulties, such as capital shortage, low capital usage efficiency, the inherent shortage of the peasant households, and the heavy demand for credit funds. With the continuous advance of the agricultural modernization in China, rural credit market contains huge growth potential and space. However, the serious problems post quite high credit risks for agricultural credit transactions, and the problems concerning the quality of agricultural credit assets and the under-developed management technology of agricultural credit are still the common concern of commercial banks. Therefore, in the new era, priority should be given to strengthening the agricultural credit service system of commercial banks.Post-loan management should be in a very important position throughout the process of bank credit management. Post-loan management is the one of the most basic safeguard measures to ensure that the bank credit principal and interest can be safely recovered. But now, there are still many banks attaching great importance to loan transaction development but make light of post-loan management. These banks pay less attention to post-loan management and fail to deal with follow-up loan management and the loan assets quality management as "lifeline engineering". The departments of the banks are generally united as one and great efforts are specially made in credit marketing, so that they turn a deaf ear to the post-loan activities of the borrowers. They just focus on issuing loans but despise the recovering. They stress on pre-loan investigation and loan review but neglect post-loan management. These problems bring potential risks for bank development, which make them fail to promptly take effective measures and thus result in serious losses of bank assets.In this study, the basic theories of the post-loan management of agricultural credit were introduced and the successful experience of foreign commercial banks in this regard was learned as reference. Further analysis was made on the current situation and the problems of the post-loan management of the agriculture credit of postal savings bank- Chongqing Jiangjin branch, based on which the suggestions on strengthening the post-loan management of agriculture credit of this bank were proposed.