Research On Improvement Of Risk Management Scheme Of Corporate Post-loan Business Of Z Bank Q Branch

Since 2019,the global economic landscape has undergone profound changes in the post-crisis era.Unilateralism and protectionism are on the rise all over the world.Trade frictions between China and the United States sometimes intensify and sometimes ease.At the same time,the downward pressure on the global economy is increasing,the yield of us Treasury bonds appears upside down for the first time in many years,the central banks of various countries have announced interest rate cuts to prevent the economy from entering a recession channel,the IMF(international monetary fund)subsequently reduces the expected GDP growth rate of major economies,and commercial banks are facing increasingly severe business forms.The report to the 19 th National Congress of the Communist Party of China(CPC)pointed out that China's economy has shifted from high-speed growth to high-quality development.This shows that the investment-driven economic growth model is coming to an end and will gradually be transformed into a new growth model driven by stimulating domestic demand and consumption."Seeking truth in transformation and striving for strength in reform" has become a key word for the development of socialist economy with Chinese characteristics in the new era,as well as the next development of China's banking industry.As the lifeblood of China's economy,commercial Banks play an important role of "the executor of financial policies,the conductor of monetary policies and the supporter of fiscal policies",and bear great pressure from internal and external environment in the process of their own operation and development.Facing the complex business environment and increasingly diversified risk types,risk management ability has gradually become the core competitiveness of banks.In a long period of time,the phenomenon of "attaching importance to pre-loan,strictly controlling in loan and ignoring the post-loan" has been prevalent in China's banking industry,and the risk management of post-loan business has become a weak link in the overall risk management system,which resulting in non-performing assets and non-performing assets ratio "double up" in the shifting gears of economic growth.This kind of phenomenon not only eroded the after-tax profits of Banks,but also affected the ability of value creation and laid a hidden danger for the stability of financial order.Therefore,it is necessary to make a systematic and in-depth analysis on the risk management of commercial Banks' post-loan business and give feasible improvement plans according to the analysis results.Based on the literature and theories on risk management of post-loan business at home and abroad,this paper taking branch Q of bank Z as the research object,introduced the current situation of the credit business of this institution,deeply analyzed the problems and causes in the risk management of the company's post-loan business,puts forward the feasible improvement plan and relevant safeguard measures.This will not only promotes the improvement of the risk management level of credit assets and the understanding of the risk management of post-loan business of branch Q of bank Z,but also hopes to provide valuable reference for the domestic peers to better develop the company's post-loan business.