Research On The Credit Loan Management Of J Branch Of China Construction Bank

As the main source of profit of commercial banks,corporate credit has become an important battle field for commercial banks.Post loan management is one of the most important step of the commercial banks to prevent credit risk.In the credit process of the commercial banks,the post loan management is the longest duration,inherent uncertainty most,the most problematic links which is precisely the weakness of has been ignored for a long time.The post loan management can reduce the risk of banks,increase the bank's business to bank identification,early warning,control and defuse the risks.If the loan management of the short board is not resolved,the risk of credit assets may be hidden,the core competitiveness of the banks are restricted.Under the macro background of the current loose monetary policy,J branch company business development rapidly,both credit scale and the number of customers present an extraordinary situation.During the business activities of J branch,no prudent behavior and lending impulsely,extensively management tendency has been gaining ground.The accumulation of risks increased.So management stressed in business development at the same time,but also attach great importance to the stock of asset quality of loans,loan management has become one of the important link of the work of the entire line of credit,therefore,the J branch of China Construction Bank credit management has practical significance.The paper adopts a combined method of theoretical analysis and case analysis and study the the past loan management of J branch and find that J branch have many problems in the post loan management which includes past loan inspecting not in place,loan usage irregularities,the low offset the risk ratio of credit guarantees,neglecting of bank credit,loan recoursing not in place and so on.To solve these problems,this paper draws lessons from experience of the Citibank which include the power checks and balances,reasonable performance appraisal,the whole process of credit management,quantitative analysis,contract management and improves CCB J branch post loan management measures.Specific,during the post loan management culture,CCB J branch should establish correct loan management idea and cultivate the whole credit management consciousness;During the post loan management mechanism,CCB J branch should improve credit risk control mechanism and establish the credit tube separation mechanism to balance;During the post loan management system to sell lane,CCB J branch should establish dynamic monitoring and supervision mechanism;In terms of talent management post loan management,CCB J branch should norm post management mechanism and increase the credit management personnel training efforts.