Post-loan management of personal credit information refers to the whole credit management process from loan issuance or other credit business to principal and interest recovery or credit termination.
Post-loan management is the last link of credit management, which plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. Post-loan management is an important link to control risks and prevent non-performing loans.
The financial situation of customers is constantly changing. Customers may be in good financial condition when approving credit, but due to the influence of industry policies and customers' investment mistakes, the upstream and downstream effects (negative effects are manifested in the price increase of raw materials, product price reduction or demand reduction, etc. ) will lead to major adverse changes in the financial situation of customers.
Post-loan management is to track the changes of customers' industry, customers' upstream and downstream and customers' own financial situation, including their commercial credit, find out problems that may be unfavorable to timely repayment of loans in time, and put forward measures to solve the problems.