Post-loan Management Research Of GF Bank KM Branch

Post loan management is a very important job for banks and an important means to guard against and defuse credit risks.The real risk of a loan is that after the loan is issued,many risk incidents can be avoided if the post-loan management can be done well enough.How to do a better post-loan management is a problem that every bank should seriously consider.Although each bank has its own set of complete post-loan management methods,in practice,commercial banks are forced to check the pressure of various reasons,such as the often heavy lending light management,this phenomenon in the economy in the upstream period.Because the loan enterprises can make enough profits to pay the bank interest,so everything is covered up by the economic development,but in the downturn period,the loan enterprises can not make money,in order to pay the bank interest,it is easy to misappropriate loans,or even loan fraud,resulting in huge risks.This paper takes KM Branch of GF Bank as the research object,through the research on the current situation of post-loan management of KM Branch of GF Bank and the analysis of some specific cases,finds out the problems existing in the post-loan management of KM Branch of GF Bank,and finds out the following problems in the current post-loan management of KM Branch of GF Bank:1.2.Post-loan management is mere formality and inadequate management;3.The lack of post-loan management personnel results in insufficient risk control ability;4.There are some problems in performance appraisal orientation;5.Individual employees have malicious violations.According to the above conclusions,the KM branch of GF Bank should improve the existing post-loan management system from two aspects of macro-system construction and micro-operation,so as to better control credit risk,so as to effectively control the post-loan management risk,improve the quality of credit assets,and further enhance the comprehensive competitiveness of the market for the KM branch of GF Bank.In order to provide a solid foundation for realizing the dream of first-class commercial banks,we should strengthen our own ability of sustainable development.