Research On Optimization Of Post-loan Management In Industrial Bank

In the course of its operation,commercial banks are bound to generate more risks,among them credit is one of the main sources of income for commercial banks,and credit management is the m ost complex part of credit management.As the dem and for the internal management of the banking industry becomes higher and higher,the Industrial Bank,as one of the commercial banks,should focus on the question of how to improve the post loan management.In this paper,the industrial bank credit m anagement analysis,analysis of th e current situation of m anagement of indus trial bank loan,then analyzes the m ain problems,mainly including the following aspects: loan management goal is not clear;the loan management system is not perfect;the management after the loan assessment mechanism is not scientific and perfect credit management personnel;the lack of..On this basis,drawing on the experience of domestic and foreign commercial banks after the loan management.Finally,the optimization measures of post lending management of Industrial Bank are put forward.Industria l Bank to establish the risk m anagement mechanism of the early intervention,ef fectively strengthen the credit risk management,this paper ar gues that from the following aspect s: establishing good credit intervention mechanism to es tablish credit risk management;prevention and restraint;classified m anagement of cu stomer credit risk warning mechanism;construction loan legislation.In the following aspects: to create a good credit risk prevention of credit risk m anagement atmosphere,good optim ization of credit business management process and structure,strengthen the cons truction of talent team,strengthen the credit risk early warning m anagement information system,pay attention to the loan after the evaluation of management effect in the industry.