How to do a good job in post-loan management
1. Change the way of thinking and correctly understand the role of post-loan management.
Under the general trend of interest rate marketization and financing disintermediation, operators at all levels should change their ideas in business philosophy, improve their attention to existing customers and fine management. Post-loan management is the most important part of stock customer management. Due diligence post-loan management can play three roles: first, risk early warning. Through effective post-lending management, hidden risks can be found in time and quickly resolved, which can reduce the cost of risk resolution and reduce operating losses. The second is to tap the potential of existing customers. It should be recognized that the process of post-loan management is an opportunity to consolidate customer relationships and tap business needs. The third is to create value through management. By doing a good job in the basic management of post-loan management, we can effectively prevent the interruption of customer credit rating, temporary overdue loans and other matters that increase the occupation of economic capital, and directly create value.
2. Improve the systematic construction of post-loan management system.
First, organically integrate the post-loan management rules and regulations and operational procedures of customer dimension and product dimension to form a perfect system; Second, the post-loan management system should clearly formulate differentiated post-loan inspection processes and contents, and formulate standardized inspection points and templates according to the risk characteristics and approval requirements of different products. The third is to innovate the management system and model of small and micro enterprises. For small and micro enterprise customers, the outsourcing mode of post-loan management can be innovated: namely, the work of door-to-door visits, data collection and other links is outsourced to a third-party service company, and the outsourcing personnel collate relevant inspection materials and submit them to the post-loan staff of the bank, who will conduct post-loan inspection and risk investigation in batches. "Post-loan outsourcing" not only solves the problem of insufficient service capacity, but also reduces the management cost through batch processing, and also plays the role of independent supervision of outsourcing personnel.
3. Integrate post settings and clarify management responsibilities.
First, set up a separate credit management department to independently carry out post-loan management and risk prevention and control; Second, follow the principle of "who manages and who manages" in post responsibilities, and make it clear that the account manager is the first responsible person for post-loan management; At the same time, a post-loan management post is set up in the credit management department to integrate the post-loan management functions of the credit manager and the risk manager. The main responsibilities are to supervise and check whether the account manager has completed all the prescribed actions of post-loan management as required, check whether the post-loan inspection records and conclusions made by the account manager are appropriate, and track and manage the risk signals or internal and external information disclosure discovered by the account manager; Go to the loan enterprises from time to time, conduct on-the-spot verification on the inspection conclusions of account managers and customers' risks, and implement the "four eyes" principle of post-loan management.
4. Strengthen the post-loan incentive and restraint assessment.
First, increase the quantitative evaluation index of post-lending process management in the performance evaluation index system of operating institutions, so as to promote operating institutions to attach importance to post-lending management and improve management level. Second, increase the proportion of risk compensation assessment for account managers. It is suggested that the proportion of risk compensation in credit business should be increased, most of the risk compensation should be linked to the labor efforts and performance of account managers after lending, and the risk performance due to account managers should be liquidated according to the assessment principle of "due diligence and exemption" to improve the enthusiasm of account managers for post-lending work. Third, set clear quantitative assessment indicators for post-lending management personnel, properly link post-lending management performance with business performance, and take risks with account managers * * * to enjoy performance * *, so as to improve the enthusiasm and sense of responsibility of post-lending management personnel.
5. Strengthen the connection between post-loan management and loan declaration and credit approval.
The first is to establish a linkage mechanism for post-loan management and credit approval. Incorporate the post-loan management data and inspection report into the credit application data of existing customers, and verify the quality of post-loan work through the credit approval and audit mechanism, effectively improving the execution of post-loan management and the quality of inspection report. The second is to establish a linkage mechanism between post-loan management and credit business management departments. Submit the problems found by post-loan inspection and internal and external audit to the credit management department, and urge customers to complete the rectification of risk matters and eliminate potential risks in time by controlling loan issuance and restricting business access.