Post-loan management is the last link of credit management.
Post-loan management is the last link of credit management, which plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. Post-loan management is an important link to control risks and prevent non-performing loans. The financial situation of customers is constantly changing. When the credit extension is approved, the customer's financial position may be good. However, due to the influence of industry policies and customers' investment mistakes, the upstream and downstream effects (negative effects such as rising raw material prices and falling product prices or demand) will lead to major adverse changes in customers' financial situation. Post-loan management is to track the changes of customers' industry, customers' upstream and downstream and customers' own financial situation, including their commercial credit, find out problems that may be unfavorable to timely repayment of loans in time, and put forward measures to solve the problems.
Post-loan approval is the approval procedure after you apply for a loan and the bank accepts it. After approval, the loan agreement is issued and the loan amount is determined, thus completing the loan procedures.