Research On The Coporate Credit Business Loan Management Of JSZS Branch

Financial sector is now fully open to the public in China.And the impact of the external financial environment as well as the financial crisis on China's banking industry must be taken seriously.At the same time,with the spreads narrowed sharply in the era of low interest rates,banking profits are also tightening.The quality of credit assets has a great effect on the stability of commercial banks.,The stock of customer credit management is essential for commercial banks crucially,considering the stock of loans accounted for a larger proportion of the business in the composition of public credit business.Commercial Banks often focus on the credit marketing and ignore the prevention of the post-loan risk owing to the competition between each other in the current situation.Post-loan management is the foundation of punning credit management and the key to deepen customer relationships.The paper analyzes the post-loan management in the bank on the topic of public credit loan business post-loan management research in the JSZS branch,using the theory of commercial bank's comprehensive risk management and the theory of asymmetric information economics and the theory of warning mechanism.This paper will focuse on the public credit loan business in the JSZS branch and the current post-loan management process and the implementation situation,and analyze the cases of post-loan management,find out the problem of the current public credit loan business post-loan risk management,approach to the optimization of public credit loan business post-loan risk management in the JSZS branch.It has theoretical and practical significance on the problems of public credit loan business post-loan risk management in the JSZS branch and the improvement of the post-loan risk control ability in the whole commercial Banks.