Design And Implementation Of Post-loan Supervision For Commercial Bank

Design and Implementation of Post-loan Supervision for Commercial BankIn today's economy, non-performing loan ratio increasingly higher for the current more severe economic situation and the difficulties of SMEs in credit management, the urgent need to control credit risk, especially loan on key borrowers risk management and control, maximum minimize the risk of bad loans. This paper presents a method of local commercial banks and post-loan management platform design ideas, which is an important part of commercial bank credit management system.This paper analyzes the domestic and international post-loan related technologies and implementations, summing up the experience at home and abroad on the basis of post-loan management, specifically addressed the actual situation in China's commercial banks combined with the needs of post-loan management business, process, and functionality. And then focuses on the function of commercial banks and post-loan management methods platform. In the stage of system design,the database, log, message, exception, and concurrency of the loan management system are considered. Finally, this paper analyzes the methods and processes of post loan management through the actual cases of personal housing loan data and enterprise commercial loan data. In the established credit rating system and credit evaluation mode, by case study could explore commercial bank credit risk point of personal and corporate business when and how to strengthen credit risk assessment and risk management mechanisms.Significance of this study is to control risk-loans of commercial banks, through data analysis and risk warning system platform, to achieve the purpose of reducing the risk of bank loans. In the actual platform and application process, indeed verified the limited nature of this study, but through the implementation process also exposed some problems, such as data integration layer is not high, data analysis method is not perfect, inadequate risk warning mechanism, etc. and look forward to these problems in the future upgrade the task of building the system, to be refined and improved.