Research On GFB Bank Loan Management

According to the relevant research shows that China's existing bank widely exists in the post loan management is not enough attention to the problem management process,quality management personnel,low unrealistic business management is not comprehensive,resulting in loan management appear ineffective,inadequate and does not match the expected targets.Based on this,we choose a certain part of a national commercial bank as a sample of two branches(hereinafter referred to as "GFB"),the specific study of the commercial banks in the post lending management problems.Post loan management is the core work of credit management,its main role is reflected in the risk of pre judgment,the choice of the most optimal solution when the risk occurs and the guidance of the annual review work recommendations.Especially in recent years,we have entered the "L" type Economic Development Zone,commercial banks face higher operational risks,while non-performing loan rate is generally broken 1%,the actual exposure is not much more than this number.At this time the various commercial banks to control the risk,in addition to the accuracy of credit front-end credit policy development,but also increasingly dependent on the post loan management of this risk control means.For many years,the local economy of GFB is good,the objective condition of risk exposure is less,making its post loan management work into a mere formality and there are many unreasonable.Firstly,the GFB bank credit management status,found that GFB bank in the post loan management of the internal control system and implementation process,facing potential risks,the bank should carry out careful inspection,rectification as soon as possible,to avoid economic losses.The analysis of GFB bank credit management problems,mainly including: the lack of a clear idea management after loan;loan management system should be perfected;the lack of effective management of the assessment,reward and punishment mechanism after loan;loan management,lack of basic work.On the basis,from the management scheme design of GFB bank loan as follows: risk management culture and full credit;perfecting the loan management system;incentive and restraint mechanisms to improve loan management;strengthen the loan management work.Finally,the paper discusses the implementation of GFB bank loan management program.This paper discusses the implementation process of GFB bank loan management plan,the implementation of security measures,the implementation effect evaluation.I design GFB bank loan management program,can effectively help GFB bank to improve the management level after the loan,to provide a certain reference for the high-level decision makers.(Note: This is mentioned in the "bank",in addition to separate instructions,refers to "commercial banks",not including "central banks,policy banks and the world bank,etc.)...