Analysis And Design Of Post-loan Management System Of China MMBank

With the increasing openness of China’s financial system and integration withthe international financial system, banking are facing increasing risks, which willaffect the normal operation of the entire financial system and the healthydevelopment of the national economy. Therefore the study and the establishment ofrisk management system with credit risk warning as its core is of very importantpractical significance not only to the banking business of my bank but also to theeconomic and financial development of the banking sector.Bank credit (or loan) risk management system is a credit risk-specificinformation and processing system covering management functions for before,during and after loan issuing. Domestic banks have all establish specific credit(loan) risk management systems which are generally running smoothly. However,the post-loan management system with risk early warning at its core is in the earlyexploratory stage in the domestic banking industry.The establishment of apost-loan management system with risk early warning at its center can helpregulate the management of bank credit, detect and prevent non-performing loansfrom getting bigger. It is vital to the quality of bank credit asset.This paper will conduct an in-depth analysis and research on the post-loanmanagement system with early warning at its core currently being established inChina MM Banking. The paper will look at the deficiencies of the system, forinstance, the line of communication is not smooth, risk factors are determined byhuman beings, and there is often a time lag in obtaining risk information. Thepaper will first introduce the basic theory for China MM Bank’s post-loanmanagement system, describing its objectives, planning, framework, functions,personnel and relevant rules and documents; then, it will look at the design ideasand solutions requirement analysis, technology solutions and other aspects ofpost-loan management system at China MM Bank. Finally, I will do a detailedanalysis and design for the post-loan management system overall solution bylooking at its application, system model, technology and methods.This paper is study on the post-loan management system of China MM Bank.It can serve as reference for the improvement of credit (or credit) risk managementsystem for other domestic commercial banks.