Research On The Optimization Of Post Loan Management System Of XY Bank Company Credit Business

As China's economic development has entered the new normal,the country has further promoted industrial transformation and upgrading,leveraged industries,industry capacity and regulatory pressure.Although the overall economic situation has been improving gradually,the new economic growth point has not yet been established.According to the development trend of China's commercial banks' non-performing loans in the past five years,the balance of non-performing loans increased by more than two times in 2017 compared with the beginning of 2013.As an enterprise operating and managing risk,the commercial bank is particularly important in this economic environment to do well in the prevention and control of credit risk.In the work of risk management of commercial banks in China,there is a general idea of "pay attention to granting of loans and ignore the management of loans".Compared to the pre loan investigation and the review of the loan,post loan management is the weak link in the risk prevention and control of credit business.According to the national commercial bank XY bank as the research object,on the basis of the research on the credit risk,the use of information asymmetry theory,comprehensive risk management theory,internal control theory,take the survey analysis,comparative analysis,RAROC calculation and other methods to conduct in-depth analysis of the risk management of bank loan operations and XY after find out the problems existing in the management after loan in the bank.In recent three years,the amount of non-performing loans and the rate of non-performing loans increased,Rate of the risk adjusted return on capital decreased year by year,indicating that the task of the bank to manage business risks and guarantee asset quality is still arduous.The problems included the credit risk management consciousness was not strong,the loan management system implementation was not in place,loan management talent shortage,loan management work of accountability and incentive mechanism was not perfect,and the lack of effective information systems and management tools etc..Meanwhile,the cause of the problem is analyzed in combination with the actual situation,including the economic situation and market competition factors,employee risk awareness and risk management,loan management,loan management system supporting the construction of talents team,after the loan management system construction etc..Finally,using the experience of foreign commercial banks' risk management,the optimization scheme of the post loan management system of XY bank's credit business is put forward.First,it is to abandon the idea of "pay attention to granting of loans and ignore the management of loans",to instill the concept of full risk management and to improve the awareness of risk management.Second,it is to improve the post loan risk management organization system,put forward the risk manager post in the front-line business department,and improve the risk management after a line of defense loan to control the ability.Third,it is a sound management system after the loan,on the one hand to improve the assessment and incentive mechanism and effect of post management after loan promotion,the selection of advanced and excellent staff,directly linked to performance wages;on the other hand,to improve the illegal accountability mechanism,Reflect the punishment from the system.Fourth,it is to improve the training and assessment of post loan managers,and to increase the introduction of excellent talents.Fifth,it is to strengthen risk early warning management,consolidate asset quality management and control basis,integrate early warning management related systems and products,and develop early warning scoring model,so as to achieve effective early warning and effective unified management.Sixth,it is to improve the bank's various risk management system construction,the development and construction of the loan after the management of mobile APP,the implementation of the authenticity of the management after verification.For the integration of data resources mentioned in the optimization strategy in effect,improve the early warning management upgrade development risk early warning scoring model,risk management system,and the development of mobile phone software,and power management after loan,still need further study and discussion.