The Research On Risk Management Of Individual Loans In Commercial Bank

Ever since the late 1990s, the operation of individual loans has developed rapidly in China. This operation developed sustainably and the net loan raised continuously, which shows that the individual loans in China has set foot into the high-speed period of growth. At the same time, because the operation of individual loan belongs to the burgeoning business, the risk management in this field doesn't have the ready-made model to refer and hasn't formed the independent whole system by its own yet. In China, the operation of individual loans in commercial bank develops rapidly, which requires a much more efficient system of risk management to replace the existing unsuitable management system.This thesis made a deep and careful study in the operation of individual loans in commercial bank. With the adduction of the new Basel Agreement and the reference of the financial scholars and bankers' achievement in this field, this thesis proceeds from actual conditions and gives prominence topertinency and maneuverability, and mainly focuses on the efficient method of this issue, which will help to make contribution to its healthy, sustainable and fast development as a beneficial consult.With the method of factor analysis, positive analysis, data analysis and so on, this thesis made research in the actuality and the factors of the operation of individual loans in commercial bank, which referred much to the advanced experience at home and abroad. With consideration of the practical situation in commercial bank itself, we mainly discuss the related countermeasure on the risk of personal loan, operation risk, and marketing risk and so on. Firstly, we start with the basic conception of the risk prevention of individual loan and make a brief introduction to the related theories and its process. Secondly, we will give a general analysis on its present condition, concerning three factors of the risk, which makes further contribution to risk prevention of the individual loans. And then, we will take adduction of the new Basel Capital Agreement, international risk management model of individual loans and its management experience at home and abroad. Last but not least, we will propose the related countermeasure in details and make practical analysis on the risk management of individual loans in China Everbright Bank (Changsha Branch), which gives the important guidance in reality.