What does it mean to have post-loan management for personal credit information of banks?

Post-loan management: Post-loan management, also known as post-loan management, refers to the whole credit management process of banks or other financial institutions from the beginning of loan issuance or other credit business to the recovery of principal and interest or the end of credit. After you apply for a credit card and loan, the bank will review it once in a while. For example, your credit card at Bank of Communications is not overdue, but Bank of Communications should also check whether your other banks are overdue at regular intervals. This is a post-loan review, which shows post-loan management on the credit report.

Among them, post-loan management is to review the credit information of your bank and other banks. If you can't use your card well, the bank will choose to reduce your quota or seal your card in order to control the risk. Among them, Bank of Communications is the most typical bank that manages a lot after lending.

Extended data:

Redesign the credit management process.

Before lending, the Customer Relationship Management Department, the Product Management Department and the Risk Management Department * * * determine the post-lending management plan and define the post-lending management strategy, and the post-lending management plan will be included in the loan approval. In the process of loan, we should adjust the post-loan management scheme and strategy in combination with the implementation and improvement of credit conditions. After the loan, we should collect and obtain enterprise information, analyze risks, find business opportunities for product innovation and customer service, and monitor risks in time. According to the severity of the found risk signals, make timely decisions.

Establish a risk early warning mechanism

Commercial banks should establish a professional post-lending management model, select and allocate post-lending management professionals from those with corporate business, risk management, credit execution and auditing experience, and increase support for front-line credit personnel. Through standardized management, strict entry and exit of credit personnel and systematic training, the working level of credit personnel can be improved and the training of post-loan managers can be enriched. Conduct risk early warning analysis for enterprises with related customers, diversified operations and more overseas business, and establish and improve the mechanism for early warning customers to voluntarily quit. Fully tap the service function of post-loan management and realize the value-added of post-loan management. ?

Improve evaluation management

Commercial banks should improve the credit performance evaluation mechanism, incorporate evaluation indicators such as operational compliance, process management and risk prevention ability into evaluation management, enhance the risk awareness of account managers, effectively balance the relationship between short-term business indicators and long-term management indicators, rationally design process management indicators, make clear actions, and establish an effective accountability and exemption mechanism. Further strengthen the long-term interest orientation and promote the long-term stable operation of banks.

Innovative management means

Actively promote the construction of post-loan management IT system, develop professional post-loan management tools such as enterprise financial analysis, risk information prompt and capital flow monitoring, and improve the efficiency of post-loan management. Focus on optimizing the internal information sharing function, improve the response speed, and establish an information communication mechanism with external industry and commerce, taxation, property rights registration, courts and other relevant departments. Actively explore differentiated post-loan management, and focus on taking post-loan management measures for high-risk customers, high-risk links and high-risk periods. For enterprises with bank loans exceeding a certain scale, experienced bank staff can be selected to work in the financial and management positions of the enterprise through consultation between the two parties, so as to deepen the understanding of the enterprise and enhance the interaction between banks and enterprises.

References:

Related measures of post-loan management Baidu Encyclopedia