Study On The Problems Of Risk Management For Personal Loan Business Of Guangzhou Bank

Guangzhou bank, as one of the financial services for the local economy, has made some personal credit business development in recent years,such as process optimization, product development, team building and other work steadily, continuing growth in business scale, maintaining good asset quality and market competitiveness continues to increase.However, there is still low for the personal loan business assets in the bank assets of the business.At the same time, the market share is also still low. With the strong pressure for facing large foreign banks and domestic banks, it will be the biggest problem facing banks in Guangzhou that how to deal with the challenges of risk management of Guangzhou bank personal loan.The author works in Guangzhou bank for a long time, firstly, combing the commercial bank personal loans risk management theory in the research method; secondly, analyzing the risk of commercial bank personal loans'types and causes; besides, finding the business situation of personal loans from banks in Guangzhou and analyzing the advanced risk management and personal loans banks in Guangzhou mode selection; finally, analyzing the problems of Guangzhou bank and personal loans ,raising a number of management methods and measures of risk to the bank in Guangzhou ,in order to play a positive role in promoting the sustainable development of banking business in Guangzhou.