贷后管理是信贷管理的核心工作，其主要作用体现在对于风险的预判、风险
发生时的最优化解方案的选择和年度审查工作的指导性建议。尤其近年来，我们
进入了“L”型经济发展区间，商业银行面临较高的经营风险，同时不良贷款率普
遍破“1%”，实际的未暴露风险更是远不止这个数字。此时各家商业银行对于风险
的把控，除了信贷前端信贷政策制定的准确性外，也越来越依赖于贷后管理这一
风险控制手段
由于多年来，GFB 所处地域的地方经济良好、风险暴露的客观条件较少，使
得其贷后管理工作流于形式并存在诸多不合理之处
本文首先 GFB 银行贷后管理现状，研究发现 GFB 银行在贷后管理的内部控制
体系和落实过程中，面临潜在风险，该行应展开细致检查，尽快整改，避免发生
经济亏损。其次剖析 GFB 银行贷后管理存在的问题，主要包括：缺乏清晰的贷后
管理工作理念；贷后管理体制有待完善；贷后管理缺乏形之有效的考核、奖罚机
制；贷后管理基础工作缺失。在基础上，从以下几方面设计 GFB 银行贷后管理方
案：培养全员贷后风险管理文化；完善贷后管理体制；完善贷后管理激励与约束
机制；加强贷后管理基础工作。最后，探讨 GFB 银行贷后管理方案实施。探讨 GFB
银行贷后管理方案实施的流程、实施的保障措施、实施的效果评价
本人设计GFB银行贷后管理方案，能够切实帮助GFB银行提升贷后管理水平，
为高层决策者的经营决策提供一定的参考
（注：本文中提到的“银行”，除单独说明，专指“商业银行”，不包括“中
央银行、政策性银行和世界银行等”。）
关键词：GFB 银行；信贷；贷后管理III
Abstract
According to the relevant research shows that China&39;s existing bank widely exists
in the post loan management is not enough attention to the problem management
process, quality management personnel, low unrealistic business management is not
comprehensive, resulting in loan management appear ineffective, inadequate and does
not match the expected targets. Based on this, we choose a certain part of a national
commercial bank as a sample of two branches (hereinafter referred to as GFB), the
specific study of the commercial banks in the post lending management problems.
Post loan management is the core work of credit management, its main role is
reflected in the risk of pre judgment, the choice of the most optimal solution when the
risk occurs and the guidance of the annual review work recommendations. Especially in
recent years, we have entered the L type Economic Development Zone, commercial
banks face higher operational risks, while non-performing loan rate is generally broken
1%, the actual exposure is not much more than this number. At this time the various
commercial banks to control the risk, in addition to the accuracy of credit front-end
credit policy development, but also increasingly dependent on the post loan
management of this risk control means.
For many years, the local economy of GFB is good, the objective condition of risk
exposure is less, making its post loan management work into a mere formality and there
are many unreasonable.
Firstly, the GFB bank credit management status, found that GFB bank in the post
loan management of the internal control system and implementation process, facing
potential risks, the bank should carry out careful inspection, rectification as soon as
possible, to avoid economic losses. The analysis of GFB bank credit management
problems, mainly including: the lack of a clear idea management after loan; loan
management system should be perfected; the lack of effective management of the
assessment, reward and punishment mechanism after loan; loan management, lack of
basic work. On the basis, from the management scheme design of GFB bank loan as
follows: risk management culture and full credit; perfecting the loan management
system; incentive and restraint mechanisms to improve loan management; strengthen
the loan management work. Finally, the paper discusses the implementation of GFBIV
bank loan management program. This paper discusses the implementation process of
GFB bank loan management plan, the implementation of security measures, the
implementation effect evaluation.
I design GFB bank loan management program, can effectively help GFB bank to
improve the management level after the loan, to provide a certain reference for the
high-level decision makers.
(Note: This is mentioned in the bank, in addition to separate instructions, refers
to commercial banks, not including central banks, policy banks and the world bank,
etc.)
Key words: GFB bank; Credit; Post loan managementV
目 录
第 1 章 绪论 ...1
1.1 研究背景及意义 .........1
1.1.1 研究背景 ...........1
1.1.2 研究意义 2
1.2 国内外研究综述 ..........3
1.2.1 国外研究综述 ....3
1.2.2 国内研究综述 ....4
1.3 研究内容与方法 ..........5
1.3.1 研究内容 5
1.3.2 研究方法 5
1.4 创新之处 ..........6
第 2 章 贷后管理相关理论 ...7
2.1 贷后管理概述 ..7
2.1.1 贷后管理的概念 7
2.1.2 贷后管理的内容 7
2.1.3 贷后管理的程序 8
2.2 相关理论 ..........9
2.2.1 巴塞尔资本协议 9
2.2.2 信息不对称理论 ..........10
第 3 章 GFB 银行贷后管理现状与问题分析.........12
3.1 GFB 银行发展概况....12
3.2 GFB 银行贷后管理现状........13
3.2.1 GFB 银行贷后管理架构..........13
3.2.2 GFB 银行贷后管理流程........
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