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贷后管理是为确保银行信贷资产的安全性,对各项表内、外信贷业务从业务发生之日起至终结之日止所进行的全过程风险管理。具体是从贷款发放到贷款回收,对贷款用途监督、贷款客户动态信息掌握、还款来源落实、信贷资产保全及确保贷款本息收回的管理。贷后管理可以说是银行经营者在资产业务管理中的一项必备内容,特别对于信贷管理人员而言,更是在贷款业务管理中的一项“看家”本领。
Post-lending management is the whole-process risk management conducted to ensure the safety of bank credit assets from the business day to the end date of all the on-balance-sheet and inter-bank credit businesses. Specifically from the loan issuance to loan recovery, supervision of loan usage, loan customer dynamic information, source of repayment, the preservation of credit assets and ensure that the loan principal and interest recovery management. After-loan management can be said that bank operators in the asset management business an essential element, especially for credit managers, but also in the loan business management is a “housekeeping ” ability.