Commercial Banks' Research On The Management Of Public Credit Loans

Since the outbreak of the US subprime mortgage crisis in 2008,the risk control and risk management capabilities of the financial sector have received increasing attention from all walks of life.As the lifeline industry of the national economy,the risk control ability of the banking industry is related to the people's livelihood.Therefore,it is of great significance to study the risk management ability of the banking industry.The corporate credit business,as the core business of the banking industry,Which is of great significance to enhance the risk control ability of the banking industry.In this paper,we will study the risk management and control ability of the bank credit business with the postponement of public loan management,and select the GF bank K branch as the research object,analyze the problem and put forward the countermeasures to perfect the credit management of the GF bank K branch.In the introduction part of the thesis,the background and significance of the research are introduced,and on the basis of combing and reviewing the relevant research literature,the research method,the research idea and the main contents of the research are clarified.When the relevant theoretical basis is expounded,the related concepts and the contents of post-loan management are discussed.Then,the asymmetric theory of post-loan management information,principal-agent theory and bank internal control theory are discussed.Theory was analyzed.In the case study section,firstly,the paper introduces the status of GF Bank K branch and its business to the public,analyzes the main risk of the credit branch of GF Bank K branch,and finds that the high-risk industry of GF Bank has high concentration,Accounting for high,real estate development loans than the major issues.Then,the post-loan management system of GF Bank K branch is introduced from the aspects of post-loan management division,post-loan management,post-loan management operation rules and post-loan management check frequency.Thirdly,the main problems and causes of the management of the public loan are analyzed from the aspects of the implementation of post-loan management,daily assessment,risk early warning and problem-taking.Finally,the paper puts forward the countermeasures to improve the management of credit management after the credit management of the credit bank employees,and clarify the job responsibilities and responsibilities and responsibilities,strengthen the importance of the loan management,and establish the asset management culture;Will be post-loan management into the whole process of loan management;to strengthen post-loan management information process.Finally,the conclusion of this paper is drawn:GF Bank K branch has established a series of post-loan management system,but there are still a lot of problems in the actual operation,need to establish and improve the management mechanism to control the risk,reduce and resolve the risk.