2. Formulate effective post-loan management measures: relevant banking departments should conduct in-depth investigation and analysis, and promulgate diversified and executable post-loan management measures according to loan risk, amount, off-balance sheet, contract type, prosecution or not, and ten-level classification;
3. Make full use of the customer risk early warning system: by expanding the functional modules of the customer risk early warning intelligent management system, we will systematically and professionally carry out various operations in the post-loan management stage, clarify responsibilities and improve work efficiency. Customer service managers should accurately distinguish credit risks according to the different data signals provided by the risk early warning system and the characteristics of local economic development;
4. Improve the professional quality of customer service managers: on the one hand, we should create a customer service manager-level management plan, define corresponding levels according to their comprehensive ability, historical performance and stock investment risk, set business management authority according to the levels, determine what kind of customers they can actually manage, evaluate and adjust on time, and implement the last elimination system. On the other hand, it is necessary to improve the daily training work and improve the ability of credit personnel to identify, discover, warn and solve risks;
5. Independent innovation of post-loan inspection methods: post-loan inspection for others. The credit management unit shall conduct cross-type post-loan inspection by the credit personnel of different institutions; Establish annual review rules and regulations. Formulate standardized post-loan management. The credit management unit, audit department and risk management department will find all kinds of "problem" loans according to the signs and problems seen in daily operations, combined with the regulatory agencies, and often go to their business outlets or customer premises (residences) for inspection, take strict risk prevention and control measures, guard against regional risks and domain risks, and make early warning and early treatment of risk problems.
The above is the relevant content of risk prevention measures for post-loan management.
Brief introduction to risk prevention and control of post-loan management
The rapid development of credit business and the continuous expansion of credit business have fully played a key role in adapting to the development of "agriculture, countryside and farmers" in the county, promoting regional economic development and expanding the bank's own business market. However, while remarkable achievements have been made in credit marketing promotion, post-lending management is very backward, and "post-lending management" has become "post-lending management". In the new era, it is imperative for rural commercial banks to improve post-loan management. This article mainly focuses on the knowledge points of risk prevention measures of post-loan management, and the content is for reference only.