长期以来,贷后管理一直是我国银行信贷管理的薄弱环节,由于在信贷经营中存在的惯性思维和做法,当前的贷后管理工作仍然存在着许多问题。在《商业银行授信工作尽职指引》中,已将授信后管理和问题授信处理作为银行授信业务的重要环节予以强调和规范,充分说明加强贷后管理的重要性。
《办法》要求贷款人严格进行贷后管理,确保掌握影响借款人偿债能力的风险因素。
The Measures require that lenders shall implement strict post-loan management and ensure to control the risky factors affecting lenders' repayment capability.
指出了目前贷后管理工作中存在的主要问题,针对这些问题提出了强化贷后管理的几点建议。
This paper points out some main problems existing in post-lending management, and in the light of these problems, advances some Suggestions on strengthening the post-lending management.
对此,应大力推行生源地贷款,构建完善的贷后管理系统,更好地推进国家助学贷款工作的开展。
To these problems, we should vigorously implement loans in the students birth place, build a comprehensive post-lending management system and better improve the national students loan work.
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