Research On Post-loan Management Optimization Of C Bank's Personal Credit Business

Post-loan management,as the core stage of bank risk management,is an indispensable part of bank risk control.The level of post-loan management not only reflects the level of commercial bank management,but also reflects the bank's ability to stabilize asset quality.However,in China's commercial banks,there is a widespread phenomenon of "Pay attention to loan investigation and review,and ignore loan management",Post-loan management,as the last link of the credit business process,has the characteristics of long duration,ignored by the bank long time.In particular,the personal credit business is regarded as a high-quality credit asset by the bank,because of its small amount,sufficient value of mortgage and large proportion of housing loans.So,its post-loan management work is more easily ignored by banks.Under the background of the slowdown of China's economic growth,the bank's non-performing assets began to increase,thus reflecting many problems in the post-loan management of banks.The paper combines the author's experience in personal credit business in state-owned commercial banks,and analyzes the organizational structure,job responsibilities,and process settings of post-loan management of C Bank's personal credit business.It also analyzes the problems of unreasonable personnel structure,low business literacy,unreasonable management process after loan,low risk control level and low efficiency of daily maintenance work in the post-loan management process of C Bank's personal credit business.According to the analysis of the problems in the post-loan management of C Bank's personal credit business,The author of the paper believes that the idea of "Pay attention to loan investigation and review,and ignore loan management",the irrationality of the reward and punishment mechanism,the design of the post-lending management system are inconsistent with the actual situation,and the imperfect information management system seriously restricts the development of post-loan management,resulting in C-bank lending.Post-management level is poor.Combined with the author's practical work experience,this paper proposes that C Bank management should comprehensively strengthen the important position of post-loan management of personal credit business.Change the idea of "Pay attention to loan investigation and review,and ignore loan management",clarify the importance of post-loan management positions,establish a good credit culture,establish a good talent selection mechanism,and build a sound business training system to build a high-quality post-loan management team and improve post-loan management Optimize the post-loan management process in terms of system construction,collateral management,risk mitigation,and overdue collection,At the same time,make full use of information technology to improve the risk monitoring level and other optimization proposals,so as to comprehensively improve the post-loan management level of C Bank's personal credit business,in order to ensure the steady development of personal credit business.