Risk Control Research Of The Self-employed Loan MS Bank Jinan Branch

In recent years, domestic banks have made the business strategy of transition to the retail banking, China's banking on the importance of the retail business has reached a new level. At present, in the Bank's revenue structure of the West developed countries, the business share and profit contribution rate of the retail banking is usually above 50%, the retail banking business has become an important means of a modern commercial bank restructuring, risk diversification, stable income and to enhance the competitiveness. So, by the end of 2008 MS bank determined the strategic objectives to develop the self-employed loan. At the end of 2009, the number of self-employed loan Jinan Branch is 0.5 billion, the stock clients is 496. According to the plan of MS bank, in 2010, the branch identified development goals of the self-employed loan:the number of clients is 2000, the number of the self-employed loan is 3 billion. The task is very I large in 2010, and on the greater pressure to complete the task people tend to ignore the existence of risk or are too busy to think the risk. Therefore, it is essential to analyze the risks faced by the self-employed loan and put the coping strategies. So the content of this article has strong practical significance and practical application value.The article first has an overview about the credit risk of banks by searching domestic and foreign literatures and has defined the relevant concepts of this article. Through the analysis of the status of theoretical study and the related concepts, the article reveals the causes of the credit risk and prevention measures from different angles. And it not only lets the readers have in-depth understanding and knowledge about the credit risk of banks, but also provides theoretical support for the content of the article; Secondly, the article has analyzed the risks of the self-employed loan, and it makes the readers have an intuitive understanding for the risks of the self-employed loan; Thirdly, the article comprehensive analyzes the control measures and system of risks of the self-employed loan; Finally, the article summarized reveals the problems in risk control of the self-employed loan and puts to prevention measures to resolve the credit risk of the self-employed loan. It has the current risk control measures to be improved and to make it more comprehensive and practical.The content of the article is divided into 6 chapters. Chapter 1 is introduction. It introduces the background of the topic, the thesis of the topic, the ideas of research, the framework of research and the point of innovation. Chapter 2 is overview of bank credit risk. First, it has an overview about the credit risk of banks by searching domestic and foreign literatures. Secondly, it has defined the relevant concepts of this article. Through the analysis of the status of theoretical study and the related concepts, the article reveals the causes of the credit risk and prevention measures from different angles. And it not only lets the readers have in-depth understanding and knowledge about the credit risk of banks, but also provides theoretical support for the content of the article. Chapter 3 is status analysis of the self-employed loan. It leads to the main risk of the self-employed loan through analyzing the background, concepts, characteristics of the self-employed loan. And it not only lets the readers have in-depth understanding about the credit risk of banks, but also provides theoretical support for the content of the article. Chapter 4 is risk control analysis of the self-employed loan. It comprehensive analyzes the control measures and system of risks of the self-employed loan and it performs risk analysis from the cooperative district and the self-employed.. Risk control work is throughout the whole process of the investigation, review and post-loan management. Chapter 5 is problems in risk control and countermeasures. It summarized reveals the problems in risk control of the self-employed loan and puts to prevention measures to resolve the credit risk of the self-employed loan. It has the current risk control measures to be improved and to make it more comprehensive and practical. Chapter 6 is the concluding part. After drawing the conclusion, it puts forward inadequacies of the article and further prospects.