Post-loan management refers to the entire process of credit management from the issuance of a loan or other credit business until the recovery of principal and interest or the end of credit. Generally speaking, post-loan management is the management of the bank after the credit card is approved. When the bank approves your credit card, it is equivalent to giving you a short-term loan, so it is called post-loan management.

Extended information:

Post-loan management:

For a long time, post-loan management has been a weak link in my country’s bank credit management. There are still many problems in the current post-loan management work despite the inertial thinking and practices. In the "Due Diligence Guidelines for Credit Granting Work of Commercial Banks", post-credit management and problem credit handling have been emphasized and standardized as important aspects of bank credit business, fully explaining the importance of strengthening post-lending management.

For a long time, commercial banks have emphasized quantity over quality, results over process, and short-term over long-term. Therefore, in order to achieve scientific development, commercial banks must change their business philosophy and mechanism, abandon the development method of "heavy lending but not management", and strengthen post-loan management, which can improve the efficiency of fund use, stabilize asset quality, and enhance the core competitiveness of commercial banks.

Data source: Post-loan management