The Study On The Personal Credit Risk Management Of The Commercial Banks In China

Personal Credit Business has been developed very fast in China from 90s 20 century. Up to now the Personal Credit Business Market in China has come into fast development time with the amount and balance of this business increased continue. There is not usable mode to manage the credit risk due to the Personal Credit Business is a new business of the commercial banks in China. And the Personal Credit Risk Management System is a belonged part of the Total Risk Management System not as an individual part. The Personal Credit Risk Management System need an effective improved and consummated to suit the demand of effective credit risk management due to the behindhand management actuality and the fast development business of the commercial banks in China.This article pointed the reason why the Personal Credit Risk happened by analyzed the actuality that the commercial banks in China develop the Personal Credit Business very hard now. This article concluded the disadvantage of the Personal Credit Risk Management of the commercial banks in China after consulting the other countries' experience and the relatively theories. This article also advised how to improve the Personal Credit Risk Management System of the commercial banks in China based on the business actuality.This article can be divided to four chapters. The first chapter is summarization about the Personal Credit Business of the commercial bank. This chapter introduced the Personal Credit Business and the Personal Credit Risk of the commercial bank. The main contents of the first chapter are firstly the kinds and sorts of the Personal Credit Business, secondly the kinds of the Personal Credit Risk of the commercial bank, thirdly the reason why the Personal Credit Risk happened, fourthly the characters of the Personal Credit Risk, fifthly...