Research On Improving The Post-loan Risk Management Proposal Of DQ Branch Of JT Bank

Currently,a lot of non-performing loans have emerged in commercial banks in China,which can be mainly attributed to problems in post-loan risk management.Based on this phenomenon and to improve the asset quality of banks,most commercial banks have started to stress the implementation and optimization of post-loan risk management methods.In recent years,to form its own core competitiveness,DQ Branch of JT Bank has actively drawn upon the advanced post-loan risk management experience of domestic and overseas banking industries and strengthened its own post-loan management.Therefore,it is necessary to study how to perfect DQ Branch of JT Bank's own post-loan risk management proposal in terms of mechanism,cultural philosophy,technology and instruments under the current framework.Through a survey on the credit management personnel of DQ Branch of JT Bank,the thesis integrates the analysis of the current post-loan risk management proposal and the summary of DQ's market conditions and loan practices,and proposes recommendations on improving the current post-loan management proposal.In the process of research,the author firstly summarizes a lot of literature on post-loan risk management by domestic and overseas scholars in recent years.Then,the thesis sorts out the literature on the causes and current status of post-loan risks,and problems in post-loan risk management and countermeasures.Based on this,the thesis determines the research line of thinking and content;secondly,the thesis offers the definition for post-loan risk management,clarifies its procedures,major methods and post-loan risk theories;then,the thesis offers analysis in combination with the basic condition and post-loan risk management of DQ Branch of JT Bank,interprets the current proposal of the post-loan risk management of DQ branch,and analyzes problems existing in the post-loan risk management of DQ Branch,including problems in the plans,evaluation indicators,evaluation procedure,and reward and punishment measures for post-loan risk management;in combination with the problems existing in the current proposal on post-loan risk management of DQ Branch,the thesis determines the line of thinking and principles for improvement,and further designs corresponding improvement proposals,providing the administrative means for reducing non-performing loan ratio and enhancing the efficiency of DQ Branch;finally,to ensure the smooth implementation of the above improvement design,the thesis proposes concrete implementation measures,mainly includingsystem guarantee,organization guarantee,technical guarantee,and cultural guarantee.