Research On Post-Loan Management In Business Credit Of B Bank H Branch

The commercia l bank is a very important part in our fina ncia l syste m.The major source of income for the commercia l banks comes fro m t he tradit iona l business credit.Wit h China's economy entering t he new norma l state,it will bring new cha llenges to the financ ia l asset qualit y,bad loan rat io and non-performing loan.The core objective of operation a nd ma nage ment for commerc ial bank is to ensure fina ncia l asset qualit y.The key emphasis in work is to strengt hen post-loan manage ment a nd to prevent credit r isk.The research on post-loan mana geme nt in bus iness cred it has been an important subject in the area of commercial banks.According to the results of do mestic and foreign research,the proble ms are found out through the research on the present sit uat ion of post-loan mana geme nt.Next,this paper illustrates what is causing the proble ms through analyzing the problems,standing in the commercia l bank's perspective.The improve ment scheme for post-loan manage ment of B Bank H Branch is proposed with link ing theory with practice.It conta ins the process of mana geme nt,the post establishme nt,the substance of manage ment,the defined operation,t he inspect ion and supervis ion.Finally,this paper points out that mak ing the most of the early warning tools,strengthe ning the team construct ion and the assessment mechanis m could imp le ment the improve ment scheme and make it effective.This paper will lead post-loan manage ment of B Bank H Branch to a new leve l and make post-loan management play an indispensible part of the commercial bank.