现在的大多数银行贷款系统把主要精力集中在贷款发放的管理环节,而对于贷后管理却重视不够。贷后管理一般是依照贷后管理制度对贷后工作进行分类定期管理,由档案部门对纸质留存资料进行归档整理。可是根据贷款使用的周期性和投入使用后的诸多不确定性,光凭纸质档案统筹管理是难以准确、具体、有效地将贷后信息监管到位的。 Most of the current bank loan systems focus their attention on the management of loan disbursement, while paying little attention to post-lending management. Post-lending management is generally carried out in accordance with the post-lending management system for the classification of post-lending work on a regular basis, by the file department to archive the paper retention information. However, according to the periodicity of loan use and many uncertainties after it is put into use, it is difficult to accurately, concretely and effectively supervise post-loan information in light of the unified management of paper files.