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What aspects does post-loan management include?
Lead: Post-lending management has always 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, which also highlights the importance of post-loan management.

What does post-loan management include: (1) Daily management:

Follow-up management, inquiry and analysis, including loan account, daily loan notice, overdue collection, post-loan inspection, inquiry and statistics, and daily custody of collateral until the loan is settled.

(2) Refund of account clearance:

When the borrower pays off all the loan principal and interest on time, should the credit department write it off? Register of mortgage (pledge) and warrants? Fill it out at the same time? Notice of transfer of bank collateral and pledge? Notify the accounting department and the collateral storage department. After the accounting department, the custody department and the custody department have verified that it is correct, they shall go through the corresponding procedures of clearing accounts and refunding fees.

(3) file management:

After each loan is completed, the credit handling personnel will regularly sort out the relevant information collected, hand over the original contract to the file manager and handle the relevant handover procedures. A copy of the contract is kept by the credit department for daily management. After the loan principal and interest are settled, the credit department will notify the archivist to formally file.

What is the significance of post-loan management?

First of all, post-loan management is the last link of credit management.

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. As the last link of credit management, post-loan management plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. The financial situation of customers is constantly changing. It may be that the customer's financial position is good when approving the credit, but due to the influence of industry policies and the customer's investment mistakes, the upstream and downstream influence will make the customer's financial position change greatly. Post-loan management is an important link to control risks and prevent non-performing loans.

Secondly, post-loan management is the requirement for banks to change their management concepts.

For a long time, commercial banks have valued quantity over quality; Pay more attention to the result than the process; Pay attention to short-term and light long-term. Therefore, in order to achieve scientific development, commercial banks must change their management concepts and mechanisms and abandon them. Pay more attention to loans than management? Strengthening post-loan management can improve the efficiency of capital use, stabilize asset quality and enhance the core competitiveness of commercial banks.

Thirdly, post-loan management is the guarantee for commercial banks to achieve sustainable development.

Only by strengthening post-lending management can we effectively control the risk of credit exposure, reduce the problem of asset quality and recover credit assets smoothly, thus improving the efficiency of capital utilization and comprehensive income of commercial banks and providing effective guarantee for sustainable development.

Finally, post-loan management is a means for commercial banks to change their customer service model.

Post-loan management can not only control asset quality, but also create value. On the one hand, post-lending management is conducive to actively controlling risks within the acceptable range of commercial banks. On the other hand, post-loan management is an important tool and way to promote financial innovation and enhance the ability to serve customers.