Diagnostic Report Of Loans After Management In ANY Bank

Nowadays, the world emerges in endlessly of globalization, financial liberalization and financial innovation, which makes the bank in increasingly complex environment of risks. The period of "twelfth five-year plans" is an important transformation for economic and financial, due to the influence of the new standard and the new measures in global regulatory, the necessity and the urgency about domestic banking further ascent risk management level become more prominent. Loans after management from other credit business until after the occurrence of the principal, and the whole process of recovered or credit end of credit management is long flow, large time span, and too much uncertain factors, as well as regulatory difficulties, which is an important segment of the accumulated credit risk and mutation.ANY Bank is a sub-brunch of Gansu province belongs to a large state-owned commercial bank, which has jurisdiction over 11 business outlets in area, is the most widely distributed brunch of four state-owned commercial banks. However, by the end of the decade, due to the absence of risk management, it has bad 19154 RMB of bad loan balances, and the defective rate as high as 27.94%, which has become the bottleneck of business development. At present, ANY Bank is in the background of actively adjust of the credit structure, and strengthen the basic management of credit management, to face squarely of the situation after loan management problems, taking active measures to ensure the quality of loan assets, in order to realize both the operation and management of the sustainable development of decisive significance.This article introduces the theory of credit risk management, operation risk management and comprehensive quality management, analyses the business development situation and loan after management status of ANY Bank area profiles. Through the fishbone diagram analysis on problems, according to the mutual connection consolidation properties factors, lists the loan after management problems of expression. Further to explore the problem forms and reasons, highlighted the loan after management problem exists the objective and inevitability. Based on this, advances improvement suggestions of the compliance with the person first, build enterprise culture atmosphere, to achieve the system as whole flow fine management.