Research On The Post-loan Management Of Public Loan Of Agricultural Bank Of China CG Branch

Post-loan management plays an extremely important role in credit management.Scientific and effective post-loan management can help commercial Banks to reduce the non-performing loan ratio and reduce the credit risk of commercial Banks.At present,the non-performing credit assets of Chinese commercial Banks are generally higher,and the post-loan management is not in place,which makes commercial Banks face greater risks and hidden dangers.Therefore,by analyzing the status quo of post-loan management of commercial Banks,finding out the problems and causes,and formulating targeted post-loan management strategies,it is of great significance to improve the status quo of post-loan management of Chinese commercial Banks.This paper uses information asymmetry theory,comprehensive risk management theory and internal control theory to analyze the problems existing in the actual post-loan management of agricultural bank CG sub-branch,and finds that the following problems exist in its post-loan management:The post-loan management is formalized,the post-loan management consciousness is weak,the post-loan management personnel is insufficient,and the post-loan management lacks the assessment mechanism.This paper has carefully analyzed the causes of the problems,including the following reasons: information asymmetry,uncooperation of customers,fierce market competition and other objective factors.Subjective factors such as overly general operation process,insufficient recognition of the importance of post-loan management,backward construction of post-loan management team and lack of performance indicators of post-loan management work.On this basis,this paper proposes the following strategies for CG sub-branches to improve post-loan management: optimize the post-loan management process,strengthen the understanding of the importance of post-loan management,strengthen the construction of post-loan management team,and establish the post-loan management assessment and evaluation system.In this paper,the analysis and improvement strategies of CG sub-branches' post-loan management are helpful to solve the problems of CG sub-branches' post-loan management of public loans,as well as provide a good reference for the banking industry to carry out post-loan management in an in-depth manner,which has certain practical significance and theoretical value.