摘要：商业银行的信贷业务是银行的传统业务之一，而信贷风险在信贷业务中难以完全规避。尤其是随着我国经济体制的改革以及金融市场的不断发展，信贷业务受各种因素影响而出现更多的信贷风险点。无论是在贷前、贷中还是贷后，信贷风险的控制与防范贯穿于信贷业务的全过程。尤其是贷后管理环节，一直受“重贷轻管”思想的干扰而得不到重视。诸不知，贷后管理的水平与质量会直接影响贷款安全。纵观目前我国商业银行在贷后的管理工作，尚存在一定问题。信贷风险贷后管理急需得到重视。

关键词：信贷风险 贷后管理 商业银行

Abstract：Credit business of commercial banks is one of the traditional business of banks,but the credit risk in the credit business is difficult to completely avoid.Especially with the continuous development of China's economic system reform and the financial markets,the emergence of more credit risk point of credit business are subject to various factors.Either before、after or in the loan ,credit  risk control and prevention throughout the whole process of credit business.Especially post-loan management aspects have been disturbed "heavy lending light management" thinking and lack of attention.As we all known ,the level and quality of loan management will directly affect the loan’s security.Looking at the current management of China's commercial banks in the loans, and there are still some problems.The credit risk management after loan need pay more attention to now.

Key words：redit risk  redit risk management after loan  commercial bank