The Commercial Bank Persenal Credit Risk Management Studies

Since the late 1990s, as China's economic reforms have deepened, the enthusiasm of consumption and investment by urban residents is steadily rising. China's commercial banks personal credit business showed a rapid growth. Personal credit business is sustainable development, promoting its rising balance. This shows that China's personal credit business has entered the market artificially high. The personal credit has become commercial bank the major component loans. Meanwhile, because personal credit business in China's commercial banks are new business, the credit risk management neither have the current model can be used, nor form a complete and independent system. It is an integral part of commercial bank's comprehensive risk management. Because the domestic banking sector is relatively backward management system. In China's commercial banks in credit business evolving situation, personal credit risk management system can not meet the current effective risk management requirements, Needing improve the existing risk management system to make it effectively and perfect.Based on the current vigorous development of personal credit in Construction Bank in Hunan Province, by analyzing the problems of their personal credit risk management, and combining of international and domestic commercial banks advanced management experience, in personal credit risk management theory, summarized the deficiencies and weaknesses of Chinese commercial bank personal credit risk management in the current. According to their status this paper put forward the corresponding improvement measures and proposals, including the establishment of credit management culture, change mangement pattern,to establish personal credit system, enhance personal credit risk management and enhancing customer manager for the building.