Risk Management In Personal Loan Business Strategy Research In The Xuan-cheng Re-branch Of China Construction Bank

With China's accessing to the WTO and the comprehensive opening up of China's banking sector, the personal financial services are appreciated by various commercial banks. The personal loan business which is an important part of personal financial services becomes one of the financial institutions focuses. But the risk starts to gradually apparently in the entire society with the rapid growth of credit assets, regulatory departments and the bank's own concerns. "Risk is in everywhere and anytime," and strengthen risk awareness and improve risk management ability as a consensus. Risk management has become one of the core competitiveness of the banking market competition. How personal credit business development financial institutions to improve their risk management capabilities in every business process must face.This paper is based on the personal loan business analysis combined of the theory and the practice of Xuan-cheng Re-branch of China Construction Bank. It based on the personal loan business credit risk management, market risk management, operational risk management and the ability to control four other studies and with the propaganda business development in urban construction. To find out propaganda city credit risks exist and external factors constraining the development and internal factors.This paper had based on the applications researching of the risk management, measured, managed the risk and learned the other better banks' advanced experiences relying on more and more scientific information systems and data model. We hope that we can control the customer credit and operational risks effectively. Improve credit risk management standards and capabilities. Hope to establish a good early warning system, an effective internal control mechanism. Advanced technical means to establish a more mature side, the risk-control management system, improve the management level of the fine for the future, the credit market and lay a solid basis for the management of benign development. Personal loans and thereby achieve sustainable development.