Strengthen post-loan management and guard against and dissolve the credit risk. Post-loan management is an
important link in the control of credit risk, sometimes is an important means of maintaining customers, in order to
effectively prevent and dissolve the credit risk, some managements of the following aspects should be prepared for
the post-loan: (1) strengthen the concept of innovation and the consciousness of risk prevention. Post-loan
management must be combined with the enterprise culture construction of commercial Banks under the premise of quality and credit management personnel training and the control of professional ethics, set up the concept of
dynamic management after credit, human resource strategic concept, and the benefit of post-loan management
concept. At the same time improve the specialization level of management after loan and comprehensive quality is
essential [8]. (2) make post-loan management procedures and content specific. Post-loan management including
after regulation, credit loan, account checking, loan risk classification, customer maintenance, there is a problem
loan processing and loan recovery and summary evaluation, etc. (3) to do a good job of loan risk classification, we
must strengthen post-loan management. To do a good job of loan risk classification, the corresponding resolve
measures to prevent and overcome risks, because of information asymmetry between Banks and enterprises on the
adverse impact of the credit management, make the post-loan management standardized and institutionalized. (4)
Institutionalize and intensify post-loan management work earnestly. Establish and improve a set of specific and
detailed post-loan inspection measures for the administration of assessment [9]. The customer check process,
information analysis, early warning and forecasting process, such as customers withdrew from the process involved
in the work the overall credit assessment category, for each assessment standards and the reference for management
links and factors, prompted the post-loan management consciousness deeply post-loan management, perfecting the
incentive mechanism.
CONCLUSION