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.

For a long time, post-loan management has been a weak link in my country's bank credit management. Due to the inertial thinking and practices in credit operations, there are still many problems in the current post-loan management work.

In the "Due Diligence Guidelines for Commercial Banks' Credit Granting Work", post-credit granting management and problem credit granting processing have been emphasized and standardized as important aspects of bank credit granting business, fully explaining the importance of strengthening post-lending management.

Extended information:

According to the "Interim Measures for Personal Loan Management":

Chapter 6 Post-loan Management

Thirty-fifth Article

After the personal loan is paid, the lender should take effective measures to conduct follow-up inspections, monitoring and analysis of the use of loan funds, changes in the borrower's credit and guarantee status, etc., to ensure the safety of loan assets.

Article 36

Lenders should distinguish the types, objects, amounts, etc. of personal loans, and determine the corresponding methods, content, and frequency of loan inspections. The lender's internal audit and other departments should conduct spot checks and evaluate the work quality of the loan inspection functional departments.

Article 37

The lender shall regularly track, analyze and evaluate the borrower's performance of the loan contract and serve as the basis for credit evaluation of subsequent cooperation with the borrower.

Article 38

The lender shall, in accordance with the provisions of laws and regulations and the loan contract, respond to the borrower's failure to provide true and complete information as promised in the contract and the failure to use it as stipulated in the contract. Liability for breach of contract will be investigated for the use and payment of loans.

Article 39

Personal loans can be extended with the consent of the lender.

For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; for personal loans over one year, the cumulative extension period plus the original loan period shall not exceed the stipulations for the loan type. Maximum loan term.

Article 40

The lender shall recover the principal and interest of the loan in accordance with the loan contract.

For loans that are not repaid as stipulated in the loan contract, the lender should take measures to collect them or agree to restructure them.

Baidu Encyclopedia-Post-loan management