The Study On Strategy Of Personal Consume Credit Risks Management Of Joint-stock Commercial Bank

In recent years, Chinese economy is still keeps high-speed developing. At the same time, the joint-stock commercial banks boom in the same way. Chinese average GDP per person has break through 1000 U.S dollars since 2004, which symbols Chinese consumer lever has reach a new stage. The development of the personal consume credit operation of the joint-stock commercial banks show its great potential. This kind operation now is the most focused operation for all kinds of commercial banks. But comparing with the foreign commercial banks, both the scale and the profit rate of the personal consume credit is apparently small. In this situation, it is urgency to build a mature credit risk control system, which is foundation of the credit operation. This thesis is focused on the personal consume credit risk control. By analyzing the real sample and reviewing the theories, this thesis conclude the successful experiences of foreign banks and the disadvantage of risk control system of Chinese joint-stock commercial bank. And put forth the suggestion on how to build an effective personal credit risk control system for the commercial banks.This thesis divided into five parts. In the first part of this paper is about the contents of consume credit risk and the relative theory of the risk control. In the following part of the thesis, the author describes the personal consume credit risk control system and success experiences of the American commercial banks. The author reviewed the development of Chinese joint-stock bank and the personal consume credit operation and illustrate the main facts that restrain the development of the risk management system in the third part. In order to illustrate the real system of risk control of the bank, in the fourth part of this thesis, the author gives an example about a branch of joint-stock bank of Wuhan city in China. By analyzing the defects of the risk control system, it makes the outline of the risk control system of Chinese commercial bank clearer. In the last part of this paper, the author gives his opinions about how to build up a successful personal consume credit risk control system based on the statement and analysis all above.