Research On Post-loan Management Optimization Of Bank B Nanchang Branch

Many factors in the economy and society will affect the development of commercial banks.Whether the safety of each loan is directly related to the life and death of commercial banks.If the banks cannot recover the loans on time,the consequences will be unimaginable.At present,we are facing a more complex economic environment.The 20 th CPC National Congress has put forward higher requirements for preventing and defusing financial risks.In this case,if commercial banks do not pay more attention to post-loan management,it is very likely to cause systemic risks.However,in the actual post-loan management of commercial banks,there are still many problems and defects.If commercial banks want to develop for a long term,they should actively analyze,study and learn from the advanced post-loan management experience in the industry,optimize the work methods,and effectively prevent risks.Firstly,this thesis explains the background and significance of the research,reviews the academic value and practical significance of this thesis,and explains the research contents and methods of this thesis.Secondly,this thesis introduces the relevant concepts of post-loan management of commercial banks,including the definition of loan,loan business varieties,the concept and process of post-loan management,etc.It briefly summarizes the relevant research results at home and abroad,after the sorting of relevant literature,the information asymmetry theory,relational lending theory and internal control theory are determined as the theoretical foundation.Then we found out the problems in the post-loan management of Bank B Nanchang Branch by consulting data and analyzing data,and found out the reasons behind the problems by using fish bone map analysis.Finally,a series of feasible suggestions are put forward from the cultivation of compliance culture,strengthening internal control management,enhancing technology empowerment,improving training and assessment,combing organizational structure,improving personnel quality,optimizing asset classification and optimizing early warning model.On the basis of on-the-spot investigation and analysis of post-loan management data of Bank B Nanchang Branch,the author put forward some suggestions on post-loan management in combination with his own work experience,in order to provide useful reference for Bank B Nanchang Branch and other commercial banks to do a good job in post-loan management.