Research On Post-lending Management Of The Personal Credit In Commercial Bank

In recent years,commercial banks are seeking to develop the personal credit business,each personal credit amount is much lower than corporate credit,but commercial banks get more clients,covering a wide range of industries,and commercial banks would face various risk in personal credit,post-lending management plays an important role in credit risk management processes.A Bank Nanjing branch is facing the problem of lower growth rate in corporate banking business,and the pressure of economic downturn make the bad debt ratio to rise,so the personal loan plays an important role in recent years.especially the development of post-lending management is critical for the sustainability and profit growth of A Bank Nanjing Branch.The article is divided into five parts.The first part is an introduction.Introduces the research background and significance,objectives and content,research methods as well as innovation and inadequate of this article.The second part is the theoretical basis of the artical and literature review.The third part present the post-loan management of A Bank Nanjing Branch and case study to point out the problem A bank Nanjing branch in post-loan management of personal loan business.The fourth part of the article is the re-engineering process of post-lending management in personal credit of the A Bank Nanjing branch.The fifth prat is the implementation of post-loan management in personal loan of A Bank Nanjing branch.The research results will be used in sustainable development of the personal loan post-loan management of A Bank Nanjing Branch,and contribute to the personal loan risk management system,adjusting the personal post-loan management organizational structure,and optimizing the operational processes of the post-loan management in personal loan business,by strengthen risk early warning system and implementation of information system,commercial bank could control the risk and improve the quality of credit assets in personal loan business.