Research On Post-lending Risk Management Of Z Bank Under Shared Economy

Economic development in the new normal situation in China,China's economy by the high-speed growth gradually into a pattern of development of high quality,the domestic economic development urgently need to establish a new growth point,complex and flexible financial risk situation is still obvious,bank loans increased nearly three years,domestic Banks should adjust their role,through innovative new form of management to adapt to the requirements of the new situation,thus to improve their risk control level.With the progress of big data,Internet technology and the popularity of mobile devices,the rapid development of economy and gain sharing,sharing economy by artificial intelligence,big data applications,the Internet platform,fully mobilize resources bank,gave rise to "sharing financial" new development mode under the new situation,"sharing financial" through financial resources,elements,such as interest of sharing,injected new energy to the bank's risk control.However,sharing the economic development of added impetus to the development of the bank at the same time also have a larger impact,commercial Banks,especially urban commercial Banks,as an important economy management risk,the existing risk management level is not enough to meet the needs of social development the new situation,and universal existence "the light",that is before the credit business credit investigation and credit in censorship,city commercial Banks generally in less attention to post-loan risk management aspect,post-loan risk prevention and control is weak,etc.Therefore,in the current environment of sustained and rapid development of sharing economy,only by actively adapting to and improving their own risk control mechanism can Banks achieve steady development.In Z city commercial bank as the research object,and fully absorb experts at home and abroad research theory,adopt analytic hierarchy process(ahp)and data contrast analysis,data model and case test methods such as Z Banks credit risk after risk management present situation to make a comprehensive analysis,found that after the bank's credit risk management problems,mainly include: credit risk management consciousness to improve after,talent shortage and all kinds of incentive insufficient punishment system is imperfect,science and technology intelligence level,etc.Through the analysis of the causes of theproblems,the factors that affect the risk management after the loan are obtained.Finally,by absorbing the risk management experience of excellent commercial Banks at home and abroad,this paper proposes a post-loan risk management system for Z bank's credit business under the new situation of sharing economy.First,strengthen the awareness of active compliance;Second,improve the post-loan risk management process;Three cities to improve the post-loan risk management system;Fourth,strengthen risk early warning;Fifth,improve the risk control system development and construction.