MBA教育中心知识库

在新时代市场经济环境下，我国商业银行在改革的浪潮中得到了高质量发展，整体运营能力和风险管理水平不断增强。商业银行作为金融服务的主体，在维护国家与地区金融安全、扶持企业与个体发展方面彰显着重要作用。尤其是进入新时代以来，我国经济活力不断增强，大中型企业规模持续扩大，小微企业数量日益增多，这使得贷款的需求空前高涨。在巨大的市场内需面前，各银行新增贷款规模稳步增长，甚至通过放贷抢夺优质客户，开发新市场已成为银行的必然选择。但是在实际操作中，“重贷轻管”思想为商业银行经营管理带来了风险，不利于银行的高质量发展。对于股份制商业银行而言，强化风险管理意识、建立完善的贷后管理机制是银行实现治理有效性和科学性的重要议题。

郑州农村商业银行作为郑州地区的股份制商业银行，自成立以来企业一直坚持服务农村、辅助农业以及促进农民发展，以协调城乡之间的共同发展为己任，全面提升金融服务的质量，打造品质高的产品。可是受到外内部多重因素的影响，郑州农村商业银行在信贷管理中暴露的问题依然很明显。基于此，本论文为了深入研究郑州农村商业银行贷后存在的管理问题系统的使用了定性与定量分析法。

首先，对本论文的研究背景以及研究意义做了详细阐述，以贷后管理为研究中心搜寻了国内外学者的研究成果、期刊等，对贷后管理的文献做了归纳和总结，介绍了研究方法、研究思路和技术路线图等。其次，文章在基于全面风险管理理论、内部控制理论的基础上先阐述了郑州农村商业银行在进行贷后管理上表现出的基本情况，通过基本情况发现问题，分析认为存在以下问题：滞后的贷后管理理念成为了郑州农村商业银行对贷后管理的主要理念；贷后检查不规范；风险把控不全面；贷后管理缺乏行之有效的考核、奖罚机制；信贷人员专业度有待提升等方面。

最后，文章提出了解决郑州农村商业银行贷后管理问题的具体对策，主要包括：一是重视贷后管理，提升其在业务中的地位；二是健全针对贷后管理的检查工作和流程等；三是有必要在贷后管理工作上以预警体制的方式参与到管理中；坚持做到有功必赏，有过必罚的管理机制；加强信贷人员队伍建设。本研究旨在帮助郑州农村商业银行强化风险管理水平，增强市场竞争力。同时，为我国其它类型的商业银行防范和化解信贷风险提供有益借鉴。

In the new era of market economy, China's commercial banks have achieved high-quality development in the wave of reform, and the overall operation ability and risk management level have been continuously enhanced. As the main body of financial services, commercial banks play an important role in maintaining national and regional financial security and supporting the development of enterprises and individuals. Especially since entering the new era, China's economic vitality has been continuously enhanced, the scale of large and medium-sized enterprises has continued to expand, and the number of small and micro enterprises is increasing, which makes the demand for loans unprecedented. In the face of huge domestic market demand, the scale of new loans of banks has increased steadily, and even seizing high-quality customers and developing new markets through lending has become an inevitable choice for banks. However, in practice, the idea of "emphasizing loan and neglecting management" brings risks to the operation and management of commercial banks, which is not conducive to the high-quality development of banks. For joint-stock businesses, strengthening risk management awareness and establishing a perfect post loan management mechanism are important issues for banks to achieve effective and scientific governance.

As a joint-stock commercial bank in Zhengzhou, since its establishment, Zhengzhou rural commercial bank has always insisted on serving the countryside, supporting agriculture and promoting the development of farmers, coordinating the common development between urban and rural areas, comprehensively improving the quality of financial services and creating high-quality products. However, affected by multiple external and internal factors, the problems exposed by Zhengzhou rural commercial bank in credit management are still obvious. Based on this, in order to deeply study the post loan management problems of Zhengzhou rural commercial bank, this paper systematically uses qualitative and quantitative analysis methods.

Firstly, the research background and significance of this paper are described in detail. Taking post loan management as the research center, the research results and journals of domestic and foreign scholars are searched, the literature of post loan management is summarized and summarized, and the research methods, research ideas and technical roadmap are introduced. Secondly, based on the comprehensive risk management theory and internal control theory, this paper first expounds the basic situation of Zhengzhou rural commercial bank in the post loan management, finds the problems through the basic situation, and analyzes the following problems: the lagging post loan management concept has become the main concept of Zhengzhou rural commercial bank in the post loan management; The post loan inspection is not standardized; Incomplete risk control; Lack of effective assessment, reward and punishment mechanism in post loan management; The professionalism of credit personnel needs to be improved.

Finally, the paper puts forward specific countermeasures to solve the problems of post loan management of Zhengzhou rural commercial bank, mainly including: first, pay attention to post loan management and improve its position in business; Second, improve the inspection work and process for post loan management; Third, it is necessary to participate in the post loan management in the form of early warning system; Adhere to the management mechanism of rewarding meritorious deeds and punishing mistakes; Strengthen the construction of credit personnel. This study aims to help Zhengzhou rural commercial bank strengthen the level of risk management and enhance market competitiveness. At the same time, it provides a useful reference for other types of commercial banks in China to prevent and resolve credit risks.