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贷后管理是指从贷款发放或其他信贷业务发生后直到本息收回或信用结束的全过程的信贷管理。具体是指是指在客户使用银行信贷产品后,银行对客户及信贷项目进行跟踪管理、担保管理、信贷档案管理以及贷款收回等一系列的管理过程。贷后管理的目的是防范和化解信贷风险,通常以信用风险控制为主线,以风险预警分析为前提,以现场和非现场检查为手段,以落实贷后管理责任制为保障。一、贷后管理原则(一)统一思想、高度重视
Post-lending management refers to the credit management from the loan issuance or other credit business until the principal and interest collection or credit over the entire process of credit management. Specifically refers to a series of management processes such as follow-up management, guarantee management, credit file management and loan recovery of customers and credit items after customers use bank credit products. The purpose of post-loan management is to prevent and resolve credit risks. Credit risk control is the main line, risk pre-warning analysis is a prerequisite, and on-site and off-site inspection are the means to guarantee the implementation of post-lending management responsibility system. First, the principle of post-loan management (A) unified thinking, attaches great importance