Development And Research Of Panzhihua City Commercial Bank Loan Follow-up Management Subsystem

Credit risk management of commercial bank credit management is an important component, is to prevent and resolve the credit risk is the important means of. Post loan management throughout the bank loan principal and interest recovery until the entire process, post-loan management has done good or bad, is directly related to the quality and safety of loan. The fact proves, formation of bad loans and the lack of strict management after loan related. In the banking business process, credit risk, market risk, liquidity risk, operational risk, legal risk and other risks at all times, everywhere. Credit risk management level of the bank ’s survival and development. Therefore, the commercial banks should further improve their credit risk management system, actively promote.The healthy development of credit business, and vigorously develop the credit business at the same time, we should build up a comprehensive and effective post-loan management system, ensure the credit service with high quality and high benefit.At present, China’s commercial banks have generally increased Daihouguanli working strength, however, " management does not reach the designated position " the phenomenon still exists. In the management after loan exists some problems that can not be ignored, if not paid enough attention to and solved in time, will lead to credit risk can not be found in time, missed the best opportunity to mitigate risk, that seriously affect the security of credit funds of bank. Strengthen the management after loan, which is conducive to timely identify and compensate for credit risk, improve asset quality, ensure that the loan security, liquidity, profitability.On the construction of A branch of the Bank of the case, to commercial banks generally of IT architecture, based on the leading edge of the data mining and software engineering technology, a comprehensive collection of bank credit customer business information, and with the help of " customized " quantitative risk index system, to realize the comprehensive customer Award letter of credit risk monitoring and management. Based on a single customer implement a systematic management after loan business, the credit customers comprehensive collection and overall trend analysis, real-time to make all kinds of risk management to reflect and tips, in support of customer manager management after loan of conventional action execution, maintenance and gradually improve the quality, help, guide, prompt customer loan management work.The research and development of the system will go through the custom work process, realize the post-loan management automatic control functions, graphs and other visual form to reflect customer credit risk trend, convenient management timely response and adjustment strategy, in order to improve customer service capabilities, strengthen post-loan risk monitoring at the same time, discover and to capture the business opportunities, ensuring the sustainable development of the business of commercial banks, the domestic commercial banks development loan management information system has certain reference significance.