c银行对公贷款差别化贷后管理分析word格式论文.docxVIP

贷后管理是银行风险管理的重要内容之一，历史数据表明，导致贷款形成不良的因素中贷后管理不善占比达 60%以上，鉴于此，银行对贷后管理长期以来比 较重视，但是效果甚微，“重贷轻管”的现象依然严重，贷后管理的短板未能得 以有效解决。当今，我国的银行业发展进入了深度调整时期，席卷全球的经济危 机使得这种调整显得更为迫切和重要，国家实施宽松的货币政策，银行投放规模 屡创新高，巨大的贷款存量对银行的贷后管理提出了前所未有的严峻挑战，因此， 必须改变传统的贷后管理模式，贷后管理必须进入精细化和差别化时代。本文拟 在对差别化贷后管理进行界定的基础上，以 C 银行的贷后管理为分析对象，通过 对 C 银行总体运营情况和特点、贷后管理现状的详细分析，指出 C 银行贷后管理 存在的不足之处，进而引出差别化贷后管理的主要内容。在详细阐述岗位分离、 差别化信贷政策、差别化贷后管理重点解决的内容以及实现问题客户动态管理 后，本文以 J 客户为对象，用实际案例描述了差别化贷后管理的操作流程与效果 评估。最后本人对实施差别化贷后管理的配套考核制度进行了分析。关键词：银行，对公贷款，差别化，贷后管理 分类号：F 8 3 0 . 1Post-loan management is one of the important contents in risk management of bank. Historical data indicates that post-loan management accounts for 60% of the factors that lead to bad loans. Therefore, although banks have attached more importance to post-loan management for a long time, the effect is minimal and there is still a phenomenon of “paying more attention to loans but ignoring management.” That’s to say post-loan management still leaves a lot to be desired. Today, the development of banking in China goes into a deep adjustment period which appears more urgent and important especially under the global economic crisis. With easy monetary policies introduced and new records of banks’ loan scale reached, unprecedented challenges for post-loan management have been proposed because of the large loan stock. So the traditional model of post-loan management must be changed. Post-loan management must enter the era of refinement and differentiation. On the basis of defining the differential post-loan management, this paper intends to point out existing deficiencies of post-loan management of C banks and show main contents of differential post-loan management through analyzing the overall operation, characteristics and post-loan management of C banks. What’s more, after elaborating on job separation, differential credit policies, main contents of differential post-loan management and dynamic management of clients with problems, this paper, with customer J as the object, use