2. Secondly, the suggestions are as follows: improve the post-loan management system, raise the awareness of risk early warning, and establish the concept of monitoring credit risk throughout the whole process. Post-loan management is the guarantee for commercial banks to achieve sustainable development.
Post-loan management, the term of bank credit management, refers to the whole credit management process from loan issuance or other credit business to principal and interest recovery or credit termination.
For a long time, post-lending management has been a weak link in China's bank credit management. Due to the inertia thinking and practice in credit management, there are still many problems in the current post-loan management. In the Guidelines for Due Diligence of Credit Granting of Commercial Banks, post-loan management and problem credit handling are emphasized and standardized as important links of bank credit business, which fully illustrates the importance of strengthening post-loan 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. Customers may be in good financial condition when approving credit, but due to the influence of industry policies and customers' investment mistakes, the upstream and downstream effects (negative effects are manifested in the price increase of raw materials, product price reduction or demand reduction, etc. ) will lead to major adverse changes in the financial situation of customers. 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.
Legal basis:
Interim Measures for the Administration of Fixed Assets Loans
Article 30 Lenders shall regularly check and analyze the performance and credit status of borrowers and project sponsors, project construction and operation, macroeconomic changes and market fluctuations, and changes in loan guarantees, and establish a loan quality monitoring system and a loan risk early warning system.
In the event of adverse circumstances that may affect the safety of the loan, the lender should re-evaluate the loan risk and take targeted measures.
Article 31 If the actual investment amount of the project exceeds the original investment amount, and the lender decides to increase the loan after re-risk assessment and examination and approval, it shall require the project sponsor to add an investment not less than the proportion of the project capital and the corresponding guarantee.
Article 32 The lender shall establish a post-loan dynamic monitoring and revaluation system for the value of the collateral and the guarantee ability of the guarantor.
Article 33 Lenders shall dynamically monitor the income and cash flow of fixed assets investment projects and the overall cash flow of borrowers, find out the causes of abnormal situations in time and take corresponding measures.