Research On Post-loan Management Of Major Customer Credit Business In Henan Branch Of J Bank's Key Clients

With the constant change of financial market environment,China's commercial Banks gradually geared to the needs of market operation,the key marketing big customers become the first choice of the commercial Banks to seek higher returns,strengthen the market size of the loan,encourage the development of key industries,complying with the requirements of policy guidance,and the management of large customers become the primary task of commercial Banks.With the strengthening of the supervision of commercial Banks by the central bank,the exposure management of big clients will be paid more attention to,and the fierce market competition environment also urges Banks to pay more attention to credit risk management and asset quality.With commercial Banks attaching more importance to risk management of large clients,the importance of post-loan management in practical work has been constantly improved.However,post-loan management system and process are still lagging behind.Commercial Banks still need to continuously strengthen internal control and the ability to resist external risk,deeply customer financing environment to reduce the information asymmetry argues,through accurate division system reform,industry specialization operation,customer risk degree timely adjust the credit policy according to the different period,make the effective promotion of industry group clients risk identification,control,resolving ability.Based on the current distribution of credit assets and the overall credit risk of big customers,this paper introduces the system and main contents of in Henan branch of J bank 's post-loan management in combination with relevant theories and concepts of post-loan management.Combined with the real case of big customer of in Henan branch of J bank,the causes of overdue payment of enterprises are analyzed from the case.For example what rules of post-loan management action has not implemented,the control measures of substantial risk is not in place,such as the various problems in analysis of post-loan management,and then through the case of post-loan management problems to find the corresponding factors,such as: post-loanmanagement risk awareness is not enough,overlooked the risk control of key industries,the fact information asymmetry,imperfect post-loan management mechanism of incentive and constraint,the external factors such as the change of the financial market,and combined with the big customer attributes and abandon the outdated post-loan management idea,put forward concrete and effective and comprehensive post-loan management advice,change "heavy light tube" thought.Improve the method of risk identification and the scope of risk early warning according to the characteristics of big customers;Improve the internal control structure by combining the business types of key customers and the industry situation;Integrate the post-loan management assessment mechanism and the management mode and philosophy of the responsible person;Through the realization of internal and external information sharing,it can flexibly respond to the early warning of external risks and take risk mitigation measures in time.To update the post-loan management system,strengthen the overall competitiveness and asset management quality of Bank J,and provide new ideas for effectively resolving risks,reducing losses,preventing problems before they arise,and ensuring the security of loans.