Research On Post-loan Management Of Jiyuan Rural Commercial Bank

With the establishment of China's market economy,China's economy has been rapid growth,the construction of orderly,and commercial banks,as an important institution providing financial services,play an irreplaceable role in providing loans and supporting the development of enterprises.Especially with the development of China's urbanization,the number of small and micro enterprises in rural areas is increasing,and now some farmers have entrepreneurial consciousness,so the demand for loans is also increasing.In recent years,the scale of new loans of China's commercial banks has increased steadily,but the serious problem of commercial banks for a long time is still "paying more attention to loans than management",which will not only bring greater risks to banks,but also be detrimental to the improvement of bank asset quality,and even seriously disrupt the normal market economic order in China.With the improvement of business philosophy of commercial banks under the new situation,China's commercial banks are generally aware of the importance and necessity of strengthening post loan management,and have adopted a series of measures,especially the management experience of foreign financial institutions,but the actual results are still not good.In view of the importance of the post-loan management of commercial banks,and the significance of strengthening the post-loan management in the new era for the construction of a new social and economic order,this paper selects Jiyuan Rural Commercial Bank as the research object to conduct in-depth discussion and demonstration of the post-loan management of the bank.Through literature,case analysis,comparative research and other research methods,first of all,the purpose and significance of the study,as well as the domestic and foreign research status of post loan management are discussed;then,the relevant basic theories of post loan management are analyzed.Finally,based on the in-depth analysis of the status quo of Jiyuan Rural Commercial Bank Post loan management and related problems,this paper concludes the strategies to improve the post loan management of Jiyuan Rural Commercial Bank.This paper mainly through the following five points to solve the strategy of improving the post loan management of Jiyuan Rural Commercial Bank:(1)comprehensively enhance the important position of post loan management and increase the degree of attention;(2)improve the post loan inspection work;(3)establish an early warning system for post loan risk management;(4)establish an effective reward and punishment mechanism;(5)build a high-quality and modern credit team.The above measures play an important role in improving the quality of Jiyuan Rural Commercial Bank's post loan management,reducing the bank's operational risk and enhancing the bank's core competitiveness.At the same time,the study of this paper also has a certain reference for other commercial banks in China to better carry out post loan management.