What does the post-loan management of credit report mean?

Post-loan management of credit report means that banks or financial institutions regularly check the credit report of cardholders after the credit card is approved and issued, so as to evaluate their repayment ability and risk status. This process is helpful to discover and solve potential financial problems in time and ensure the safety and stability of loans. The purpose of post-loan management is to control risks and prevent the occurrence of non-performing loans, because the borrower's operating financial situation may change with time, such as the influence of industry policies, investment mistakes, fluctuations in raw material prices, etc. , which may lead to the deterioration of financial situation. By checking the credit report regularly, banks or financial institutions can keep abreast of these changes and take corresponding risk control measures. Post-loan management is a necessary measure taken by banks or financial institutions to ensure credit security, which is very important for cardholders.