1. Improve the content of post-loan inspection. Correct post-loan inspection management should include regular inspection and irregular inspection, with specific contents as follows:

(1) The loan shall be used for the purposes stipulated in the contract and shall not be misappropriated. For fixed assets loans, it is also necessary to supervise that the proportion of funds from other sources of the project is the same as that of bank loans.

(2) Analyze the macro business environment and master its influence on the production and operation of the borrower.

(3) check the situation. The focus is on the inspection of the borrower's production and sales.

(4) Check the financial status of the borrower. The key point is to analyze financial statements and financial ratios and grasp the development trend of operational capacity.

Check the scientific level. The key point is to investigate and understand the main management personnel and management system of the borrower and the possible impact on debt repayment.

(6) The inspection of major events of the borrower focuses on the investigation and analysis of major investment decisions, major system reforms, major accidents and compensation of the borrower.

(7) inspection of the guarantor. Refer to the changing trend of the borrower's guarantee ability.

(8。 Mainly check whether the mortgaged (pledged) goods are in good condition, whether the value has changed, and whether the mortgagee (pledgor) handles them without authorization.

2. Improve the post-loan inspection and management procedures. For example, a post-loan inspection is conducted once a month, and all credit personnel meetings are held regularly according to the inspection results to form a post-loan inspection report. Regularly analyze and report all loan customers, current affairs in the guarantee situation, repayment ability, capital direction, guarantee ability, guarantee period and other matters that may affect the safety of bank loans, and all credit personnel study and judge whether there is a risk warning. The credit supervisor will be responsible for reviewing and verifying loans, and organizing the analysis and reporting of post-loan inspection reports.

3. Establishing loan risk early warning signal and rapid response system Pre-supervision early warning signal refers to the occurrence of bad situations or signs that may cause customers to be unable to repay the due loan principal and interest or perform their duties. In the process of post-lending inspection, credit personnel should pay attention to identify whether the lender has or will soon have a significant warning signal, report it to the leaders of the superior bank and the superior bank in time, and take corresponding measures to prevent and resolve risks as soon as possible.

4. Strengthen the cooperation and communication between the accounting front desk and the credit department, and timely monitor the capital movements of enterprises. Front-end accounting is also an important part of post-loan management. The credit department should cooperate closely with the front-office accounting department to establish a complete deposit fund account (including enterprise deposit balance and settlement amount) and interest account for loan customers, and strictly monitor the capital flow of loan customers.

5. Set up special post-lending supervision posts and personnel to inspect, guide and supervise post-lending inspection to ensure the quality of work. Banks should deploy outstanding talents to enrich the post-loan supervision work and be responsible for the inspection, guidance and supervision of the post-loan inspection work. The quantity and quality of post-loan supervisors should be based on the principle of ensuring the completion of supervision tasks, and at the same time, supervision should be carried out regularly and comprehensively, and every loan and lender should be spared to ensure the quality of post-loan supervision. The post supervisor should receive special training, and can only take up his post after passing the examination. At the same time, the post-executives should be trained and assessed regularly, so that they can constantly update their business knowledge and skills to meet the needs of changes in policies, markets and customers.

6. Improve the post-loan inspection and assessment incentives. A scientific and perfect management system must include strict and reasonable rewards and punishments. According to the requirements of post-lending management, banks should formulate the assessment methods and implementation rules of post-lending management, and incorporate the quality of post-lending management into the comprehensive assessment of credit personnel and credit departments, so as to organically combine responsibilities and rights. At the same time, give certain spiritual and material rewards to the departments and personnel who have outstanding performance in post-loan inspection management, and punish the department personnel who are irresponsible for their work or cause risks and losses, and reflect them in their job promotion, so as to enhance the responsibility and enthusiasm of credit personnel for post-loan inspection work.

7. Improve the comprehensive quality of post-loan management practitioners. By holding various kinds of post-loan inspection business training, the post-loan inspection personnel will be trained in batches and comprehensively, focusing on improving the ability of credit personnel to continuously monitor and analyze borrowers and related factors affecting the safety of credit assets, find early warning signals in time, actively take corresponding remedial measures, and conduct assessment after the end. Those who fail the examination shall not engage in post-loan inspection. Through this kind of training and examination, we will continuously improve the post-loan inspection: the quality of personnel and the quality of post-loan inspection.

Second, how to write the post-loan inspection opinion?

1. Improve the content of post-loan inspection. Correct post-loan inspection management should include regular inspection and irregular inspection, with specific contents as follows:

(1) Monitoring the use of loan funds. Supervise the borrower to use the funds according to the purposes stipulated in the contract and shall not misappropriate them. For fixed assets loans, it is also necessary to supervise that the proportion of funds from other sources of the project is the same as that of bank loans.

(2) Analyze the macro business environment and master its influence on the production and operation of the borrower.

(3) Check the production and operation of the borrower. The key point is to check the borrower, product supply, production and sales of the borrower.

(4) Check the financial status of the borrower. The key point is to analyze financial statements and financial ratios, and grasp the development trend of borrowers' solvency, profitability and operating ability.

(5) Check the management level of the borrower. The key point is to investigate and understand the main management personnel and management system of the borrower and the possible impact on debt repayment.

(6) The borrower's major events inspection focuses on investigating and analyzing the borrower's major investment decisions, major system reforms, major creditor's rights and debts, major accidents and compensation.

(7) inspection of the guarantor. Referring to the investigation of borrowers, this paper focuses on the analysis of the changing trend of guarantor's guarantee ability.

(8) Inspection of mortgaged (pledged) goods. Mainly check whether the mortgaged property (pledge) is in good condition, whether the value has changed, whether the mortgagee (pledger) handles it without authorization, and whether the mortgage registration continues to be valid.

2. Improve the post-loan inspection and management procedures. For example, a post-loan inspection is conducted once a month, and a post-loan inspection report is formed according to the inspection results, and all credit personnel meetings are held regularly. The credit administrator will analyze and report the loan customers, current events in the guarantee situation, repayment ability, capital flow, guarantee ability, guarantee period and other matters that may affect the safety of bank loans. All credit personnel will study and judge whether there are risk warning signals, and the credit supervisor will be responsible for reviewing the post-loan inspection report and putting forward corresponding opinions, as well as organizing the analysis, interpretation and appraisal of the post-loan inspection report. The competent president will check the completion of the post-loan inspection work every quarter.

3. Establishing loan risk early warning signal and rapid response system Pre-supervision early warning signal refers to the occurrence of bad situations or signs that may cause customers to be unable to repay the due loan principal and interest or perform their duties. In the process of post-loan inspection, credit personnel should pay attention to identify whether the loan households have or will have a greater impact on the safety of credit assets, report to the leaders of the superior bank and the superior bank in time, and take corresponding measures to prevent and resolve risks as soon as possible.

4. Strengthen the cooperation and communication between the accounting front desk and the credit department, and timely monitor the capital movements of enterprises. Front-end accounting is also an indispensable part of post-loan management for enterprise monitoring and management. The credit department should cooperate closely with the front-office accounting department to establish a complete deposit fund account (including enterprise deposit balance and settlement amount) and interest account for loan customers, and strictly monitor the capital flow of loan customers.

5. Set up special post-lending supervision posts and personnel to inspect, guide and supervise post-lending inspection to ensure the quality of work. Banks should deploy outstanding talents to enrich the post-loan supervision work and be responsible for the inspection, guidance and supervision of the post-loan inspection work. The quantity and quality of post-loan supervisors should be based on the principle of ensuring the completion of supervision tasks, and at the same time, supervision should be carried out regularly and comprehensively, and every loan and lender should be spared to ensure the quality of post-loan supervision. The post supervisor should receive special training, and can only take up his post after passing the examination. At the same time, the post-executives should be trained and assessed regularly, so that they can constantly update their business knowledge and skills to meet the needs of changes in policies, markets and customers.

6. Improve the post-loan inspection and assessment incentives. A scientific and perfect management system must include strict and reasonable rewards and punishments. According to the requirements of post-lending management, banks should formulate the assessment methods and implementation rules of post-lending management, and incorporate the quality of post-lending management into the comprehensive assessment of credit personnel and credit departments, so as to organically combine responsibilities and rights. At the same time, give certain spiritual and material rewards to the departments and personnel who have outstanding performance in post-loan inspection management, and punish the department personnel who are irresponsible for their work or cause risks and losses, and reflect them in their job promotion, so as to enhance the responsibility and enthusiasm of credit personnel for post-loan inspection work.

7. Improve the comprehensive quality of post-loan management practitioners. By holding various kinds of post-loan inspection business training, the post-loan inspection personnel will be trained in batches and comprehensively, focusing on improving the ability of credit personnel to continuously monitor and analyze borrowers and related factors affecting the safety of credit assets, find early warning signals in time, actively take corresponding remedial measures, and conduct assessment after the end. Those who fail the examination shall not engage in post-loan inspection. Through this kind of training and examination, we will continuously improve the post-loan inspection: the quality of personnel and the quality of post-loan inspection.

Three. Measures and suggestions for post-loan management

1. First of all, the measures include: linking the assessment of post-loan management with its marketing expenses, involving credit personnel in post-loan management, and taking timely measures when problems are found in post-loan management. 2. Secondly, the suggestions are as follows: improve the post-loan management system, raise the awareness of risk early warning, and establish the concept of monitoring credit risk throughout the whole process. Post-loan management is the guarantee for commercial banks to achieve sustainable development. Post-loan management, the term of bank credit management, refers to the whole credit management process from loan issuance or other credit business to principal and interest recovery or credit termination. For a long time, post-lending management has been a weak link in China's bank credit management. Due to the inertia thinking and practice in credit management, there are still many problems in the current post-loan management. In the Guidelines for Due Diligence of Credit Granting of Commercial Banks, post-loan management and problem credit handling are emphasized and standardized as important links of bank credit business, which fully illustrates the importance of strengthening post-loan management. Post-loan management is the last link of credit management, which plays a vital role in ensuring the safety of bank loans and preventing and controlling cases. Post-loan management is an important link to control risks and prevent non-performing loans. The financial situation of customers is constantly changing. Customers may be in good financial condition when approving credit, but due to the influence of industry policies and customers' investment mistakes, the upstream and downstream effects (negative effects are manifested in the price increase of raw materials, product price reduction or demand reduction, etc. ) will lead to major adverse changes in the financial situation of customers. Post-loan management is to track the changes of customers' industry, customers' upstream and downstream and customers' own financial situation, including their commercial credit, find out problems that may be unfavorable to timely repayment of loans in time, and put forward measures to solve the problems. Legal basis: Interim Measures for the Management of Fixed Assets Loans Article 30 The lender shall regularly check and analyze the performance and credit status of the borrower and the project organizer, the construction and operation of the project, the macroeconomic changes and market fluctuations, and the changes in loan guarantees, and establish a loan quality monitoring system and a loan risk early warning system. In the event of adverse circumstances that may affect the safety of the loan, the lender should re-evaluate the loan risk and take targeted measures. Article 31 If the actual investment amount of the project exceeds the original investment amount, and the lender decides to increase the loan after re-risk assessment and examination and approval, it shall require the project sponsor to add an investment not less than the proportion of the project capital and the corresponding guarantee. Article 32 The lender shall establish a post-loan dynamic monitoring and revaluation system for the value of the collateral and the guarantee ability of the guarantor. Article 33 Lenders shall dynamically monitor the income and cash flow of fixed assets investment projects and the overall cash flow of borrowers, find out the causes of abnormal situations in time and take corresponding measures.

Fourth, suggestions on improving the quality of post-loan inspection.

1. Improve the content of post-loan inspection. Correct post-loan inspection management should include regular inspection and irregular inspection, with specific contents as follows:

(1) Monitoring the use of loan funds. Supervise the borrower to use the funds according to the purposes stipulated in the contract and shall not misappropriate them. For fixed assets loans, it is also necessary to supervise that the proportion of funds from other sources of the project is the same as that of bank loans.

(2) Analyze the macro business environment and master its influence on the production and operation of the borrower.

(3) Check the production and operation of the borrower. The key point is to check the borrower, product supply, production and sales of the borrower.

(4) Check the financial status of the borrower. The key point is to analyze financial statements and financial ratios, and grasp the development trend of borrowers' solvency, profitability and operating ability.

(5) Check the management level of the borrower. The key point is to investigate and understand the main management personnel and management system of the borrower and the possible impact on debt repayment.

(6) The borrower's major events inspection focuses on investigating and analyzing the borrower's major investment decisions, major system reforms, major creditor's rights and debts, major accidents and compensation.

(7) inspection of the guarantor. Referring to the investigation of borrowers, this paper focuses on the analysis of the changing trend of guarantor's guarantee ability.

(8) Inspection of mortgaged (pledged) goods. Mainly check whether the mortgaged property (pledge) is in good condition, whether the value has changed, whether the mortgagee (pledger) handles it without authorization, and whether the mortgage registration continues to be valid.

2. Improve the post-loan inspection and management procedures. For example, a post-loan inspection is conducted once a month, and a post-loan inspection report is formed according to the inspection results, and all credit personnel meetings are held regularly. The credit administrator will analyze and report the loan customers, current events in the guarantee situation, repayment ability, capital flow, guarantee ability, guarantee period and other matters that may affect the safety of bank loans. All credit personnel will study and judge whether there are risk warning signals, and the credit supervisor will be responsible for reviewing the post-loan inspection report and putting forward corresponding opinions, as well as organizing the analysis, interpretation and appraisal of the post-loan inspection report. The competent president will check the completion of the post-loan inspection work every quarter.

3. Establishing loan risk early warning signal and rapid response system Pre-supervision early warning signal refers to the occurrence of bad situations or signs that may cause customers to be unable to repay the due loan principal and interest or perform their duties. In the process of post-loan inspection, credit personnel should pay attention to identify whether the loan households have or will have a greater impact on the safety of credit assets, report to the leaders of the superior bank and the superior bank in time, and take corresponding measures to prevent and resolve risks as soon as possible.

4. Strengthen the cooperation and communication between the accounting front desk and the credit department, and timely monitor the capital movements of enterprises. Front-end accounting is also an indispensable part of post-loan management for enterprise monitoring and management. The credit department should cooperate closely with the front-office accounting department to establish a complete deposit fund account (including enterprise deposit balance and settlement amount) and interest account for loan customers, and strictly monitor the capital flow of loan customers.

5. Set up special post-lending supervision posts and personnel to inspect, guide and supervise post-lending inspection to ensure the quality of work. Banks should deploy outstanding talents to enrich the post-loan supervision work and be responsible for the inspection, guidance and supervision of the post-loan inspection work. The quantity and quality of post-loan supervisors should be based on the principle of ensuring the completion of supervision tasks, and at the same time, supervision should be carried out regularly and comprehensively, and every loan and lender should be spared to ensure the quality of post-loan supervision. The post supervisor should receive special training, and can only take up his post after passing the examination. At the same time, the post-executives should be trained and assessed regularly, so that they can constantly update their business knowledge and skills to meet the needs of changes in policies, markets and customers.

6. Improve the post-loan inspection and assessment incentives. A scientific and perfect management system must include strict and reasonable rewards and punishments. According to the requirements of post-lending management, banks should formulate the assessment methods and implementation rules of post-lending management, and incorporate the quality of post-lending management into the comprehensive assessment of credit personnel and credit departments, so as to organically combine responsibilities and rights. At the same time, give certain spiritual and material rewards to the departments and personnel who have outstanding performance in post-loan inspection management, and punish the department personnel who are irresponsible for their work or cause risks and losses, and reflect them in their job promotion, so as to enhance the responsibility and enthusiasm of credit personnel for post-loan inspection work.

7. Improve the comprehensive quality of post-loan management practitioners. By holding various kinds of post-loan inspection business training, the post-loan inspection personnel will be trained in batches and comprehensively, focusing on improving the ability of credit personnel to continuously monitor and analyze borrowers and related factors affecting the safety of credit assets, find early warning signals in time, actively take corresponding remedial measures, and conduct assessment after the end. Those who fail the examination shall not engage in post-loan inspection. Through this kind of training and examination, we will continuously improve the post-loan inspection: the quality of personnel and the quality of post-loan inspection.