Construction Bank's GX Sub-lending Management Improvement Plan Design

In the operation of commercial bank credit business occupies very important position,is it more important business of the commercial Banks,and credit business benefits to help commercial Banks to create value at the same time,also the operating risk of commercial Banks.Especially in the current competitive environment of the global financial market turmoil,the commercial Banks to make loans to increase bank profits return,loan amount increased at the same time also led to the bank the potential risks,in this context,should need to improve the credit risk of commercial Banks supervision,in order to maintain the steady development of banking business,which is the core of banking and finance industry key.Therefore,the post-loan supervision of CCB GX branch has important practical significance and practical reference value.In this paper,combining the actual case of CCB GX branch and the domestic commercial Banks in the money after the actual condition of all kinds of common risk,and loan risk management after the basic theory of design the strategy of targeted.First,in view of the CCB GX post-loan supervision business management status of the thorough analysis,according to the CCB GX branch of the practices of post-loan management analyzed the problems exposed by the post-loan management and the reasons,the main problems are:post-loan management ideas of stale lag;The lack of enforcement of the post-loan regulation system;Lack of understanding of risk and weak risk consciousness after lending;Problems and reasons for the relaxation and lack of post-loan management;Secondly,mainly from set up the credit risk management after the concept of innovation,improve the system of risk management and execution,establish credit risk management early warning system,strengthening the management of loan risk classification,optimizing the allocation of credit personnel incentive mechanism in five aspects,such as improved strategy design;Finally,it puts forward the guarantee measures for the implementation of post-loan risk control plan from five aspects:risk control organization,institutional system,legal regulations,talent team and risk culture.Combined with GX CCB branch of post-loan management actual situation,scientific analysis of the CCB GX post-loan supervision and management of the risks and vulnerabilities,and then puts forward the targeted post-loan management Suggestions and measures,these results not only can better solve the CCB GX branch credit risk management,but also for other domestic between commercial banking industry has good reference value.