| In recent years,due to the influence of various factors,such as the strengthening of government supervision,the impact of online finance,and the intensification of business competition,the profit model of traditional banks that rely on scale expansion to obtain excess returns has been difficult to sustain.It is an important direction for the future development of banks to improve the fine management ability and improve the efficiency of capital use.The traditional post loan management of banks mostly focuses on the credit risk of enterprises,and lacks an effective supervision mechanism for customer income and capital use efficiency,which is a great lack of post loan management.Therefore,the post loan fine management must be based on effective stratification of the stock customer group,and then carry out differentiated post loan management,and formulate targeted revenue enhancement plans.Risk adjusted return on capital(RAROC)is an ideal comprehensive management indicator,which connects the risks and returns of customers at the same time.It can be used as an important means and tool for refined management of post loan customers.This paper first introduces the research background,research and development status of the paper,and combs the concepts and theories related to post loan management,customer segmentation,clustering and analytic hierarchy process.Then,based on the actual situation of Bank S,this paper analyzes the problems existing in the current post loan management work,and proposes a refined post loan management plan-through clustering algorithm,use customer value scores,RAROC,and rating results to tier corporate customers,find out key customers to improve,and develop a differentiated post loan management plan.Finally,through actual cases,it is proved that the application of RAROC model to post loan management can effectively improve the efficiency of capital use,and also help to effectively improve the profitability and risk control ability of commercial banks. |
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