Research On Post Loan Management Of Xinjiang Postal Savings Bank

With the rapid growth of economy and the increase of investment demand,the scale of credit in China's financial institutions is increasing and the competition among banks is increasing.In order to occupy a certain market in the fierce competition,China's large commercial banks have expanded their credit scale in recent years.As of the third quarter of 2016,the balance of RMB loans of large commercial banks in China was 848.44 billion yuan,the non-performing loan ratio was 1.76%,while the balance of RMB loans in the third quarter of 2005 was 745657 billion yuan and the non-performing loan ratio was 1.59% %.But the profits of China's commercial banks are declining.In the face of the growth of the credit scale of the postal savings bank and the decline of the profit growth rate and the increase of the credit risk,the bank loan management research has become an important barrier to the quality of the bank's credit assets,To enhance the maintenance of China's financial environment as an important part of stability.Xinjiang as China's major agricultural province and the area along the core construction area,the financial industry ushered in a new development opportunities,but also brought the fierce competition between banks.Although the Xinjiang Postal Savings Bank has had a certain position in the economic competition for many years,it has also caused a lot of bad assets due to "heavy traffic and light business supervision" in the development process.Xinjiang Post and Savings Bank should raise the management awareness of post-loan business risk.Only by controlling and managing the business risk of loan business can we make more development.Post-loan management plays an important role in the credit management of Xinjiang Post Savings Bank.After the loan management is the last step of the bank credit risk management process,it has not paid enough attention for a long time,but it is the key link of the bank to prevent and control the credit business risk,which can improve the operation and management ability and competition level of the bank's overall system,Has a very important research significance.Postal Savings Bank as an important part of China's banking industry,China's banking sector in all aspects of the development of a very important role.Based on the current situation of post-loan management of Xinjiang Post and Savings Bank,this paper analyzes the existing problems of post-loan risk management of savings banks.The study finds that:(1)Xinjiang Post Savings Bank overdue nonperforming loan ratio and national Than the low,personal business loans overdue non-performing loans less,but small business corporations overdue loans to a relatively high rate of bad.(2)In recent years,the development rate of non-performing loans of Xinjiang Postal Savings Bank has been increasing year by year because mainly because of the lack of advanced and scientific post-loan management concept and post-loan related system construction(3)Xinjiang Postal Savings Bank internal structure due to unreasonable,internal control system is not perfect,the staff's risk awareness is relatively weak and the post-loan check is not standardized(3)Xinjiang postal savings bank internal structure due to unreasonable,internal control system is not perfect,,Coupled with the external market,the government and the impact of the environment,resulting in postal savings bank loan management in Xinjiang there are "heavy credit",heavy collateral,light the first source of repayment problems.According to the above conclusions,Xinjiang Postal Savings Bank should improve the internal control system,pay attention to the credit risk management culture construction,strengthen the credit management construction,strengthen the credit staff team construction and establish a scientific post-loan management analysis system five aspects to improve the existing loan After the management system,in order to better control the credit risk,promote the company's sustainable development.