Research On The Post-loan Management Of Personal Business Loans In Agricultural Bank Of China S Branc

With the rapid development of social economy,the reform and improvement of market economy system,and the rising level of national income,the social consumption structure has undergone a relatively large adjustment.Driven the explosive growth of personal credit business of commercial banks.Private enterprises,sole proprietorship enterprises,individual industrial and commercial households and other economies have become the main force of social and economic development.The continuous growth of these individual industrial and commercial households and even sole proprietorship enterprises provides an opportunity for the development of commercial banks’ personal business loans.In addition,a series of policies and guidelines issued by the state to support the development of individual economy have made personal business loans a new profit growth point for commercial banks.Credit business is not only the asset business of commercial banks,but also the high-risk business of commercial banks.With the rapid development of personal loan business,it is accompanied by higher credit risk,which is mainly reflected in the rising non-performing rate.Based on the domestic and foreign literature on post-loan management of commercial banks,this paper takes S-score behavior of Agricultural Bank of China as the research object,starts from various problems exposed in post-loan management of personal business loans in S branch of Agricultural Bank of China,and discusses the causes of post-loan management of personal business loans in S branch of Agricultural Bank of China according to information asymmetry theory and total risk management theory.At the same time,in order to ensure the smooth implementation of these optimized procedures and systems,the corresponding safeguard measures are put forward.The overall goal of this study is to explore the background of rapid economic development and the rapid development of personal loan business in commercial banks.First,analyze the development status of personal loan business in S Branch of Agricultural Bank of China;Secondly,by selecting relevant typical cases,the problems existing in the post-loan management of personal loan business of S Branch of Agricultural Bank of China are sorted out;Thirdly,combining information asymmetry theory and total risk management theory,from the perspective of improving the quality of personal credit assets,this paper analyzes and puts forward feasible measures for post-loan management optimization.At the same time,it provides corresponding reference measures and significance for other commercial banks’ post-loan management.