The loan business can be mainly divided into three parts, namely, pre-loan management, in-loan management and post-loan management. Among them, pre-loan management is mainly the marketing of loan business and loan application, which is the premise of loan business development; Loan management refers to the work of financial institutions to review users' loan applications and issue loans, and it is also the core part of financial institutions' loan business; Post-loan management is the maintenance and management of loans issued by financial institutions and an important guarantee for the quality of loan assets.
Post-loan management is very important in the follow-up management of financial institutions' loan business, which determines whether financial institutions can obtain higher income from loan business. It is not difficult for financial institutions to issue loans. As long as financial institutions are willing to issue loans, many users want to get loans. The profit that financial institutions can finally get depends on whether the loan is recovered after the loan expires. Only when they recover their loans within the specified time can financial institutions gain benefits. If they can't recover the loan within the specified time, financial institutions may suffer losses in the loan business.