Research On Post-loan Risk Management Of Bank C Nanjing Branch

In recent years,China's banking industry has faced an intricate operating environment.On the one hand,the country's economic structure is accelerating its adjustment,financial supervision has become tighter and stricter,market defaults have continued to occur,various types of risk events have occurred frequently,and commercial banks are facing greater pressure.On the other hand,international trade frictions are heating up,restricted export trade leads to decline in corporate profits,the repayment ability was affected to a certain extent,which led to the rise of the overall overdue ratio of commercial banks and the overall quality of bank credit assets showing a downward trend Numerous bad cases show that the formation of non-performing loans is mostly related to unqualified post-loan management.Under this background,the banking industry must strengthen credit management,especially post-loan management,and identify risks early through refined management,realize risk transfer and mitigation,and effectively control risks,to ensure the stability and long-term development of the bank itself.Post-loan management is an important buusiness management process in the process of credit operation management,which,together with pre-loan investigation and in-loan review,constitutes a complete bank value creation system and plays an important role in guaranteeing the bank's credit operation value.In the post-management process,there are generally problems such as insufficient attention,shortage of post-loan managers,management tools are simple,and post-loan audit is not serious.The prevention and control of credit risk by post-loan management has not been fully exerted.Therefore,the research on post-loan management is of great significance to banks.This article focuses on comparative analysis,literature research,and field research.It draws on the experience of foreign banks in the post-loan management risk control system and draws on the problems of post-loan management during the implementation of the credit business of C bank Nanjing Branch.Combine with the actual situation of its goals and characteristics,trying to explore the deep-seated reasons behind the post-loan management problem.Hope to construct a post-loan risk assessment model,summarizing countermeasures for solving the post-loan management problem of C Bank Nanjing Branch.Areasonable post-loan management scheme can realize the forward-loolking,timely and effective post-loan risk management of commercial banks in the "new normal" environment,and standardize the credit risk warning and risk control slow-release work for large and medium-sized customers-It can improve the credit asset quality of C bank Nanjing Branch and at the same time,it can do a good job of post-loan management for other domestic commercial banks,reduce default risk and reduce asset impairment loss,which also has important practical reference significance.