The Risk Management Of Consumer Loanin China Colnmereial Banks

Through the quickly development in last few years,the consumption credit has already become the one of main profit source of commercial bank, But,along with the extension of the consumption credit loan business scale continuously,the credit risk exists in the credit consumption exposes out gradually,under the condition that Personal credit system doesn't perfect ,there exists a defect in the commercial bank administration, relevance laws and statutes is faulty,which takes disadvantage to the healthy development of our country's credit loan. How to lower the risk of the consumption loan,especially control the credit risk,has already become the extremely urgent problem to be resolved in our commercial bank.The thesis use the way that theory and reality, examine the risk of the consumption loan in commercial bank ,which carries out individual consumer credit services business.It analysis the reason and influence factor ,which cause personal consumption business risk .Analysing our commercial bank adopt risk administration method and the problem.It expounds the lack of credit risk experience in our commercial bank .We should draw abroad experience and build perfect personal system and advanced individual consumer credit services risk administration. Discussing build a set of personal perfect consumption credit services in our commercial bank.,and bring forward the measure to keep watch the risk.The thesis thinks that fine risk administration culture is the base of personal credit risk administration. The commercial bank want to improve personal credit risk control ,which must cultivate bank credit risk administration knowledge. We should draw lesson with the advanced union abroad bank management control pattern, needs to change the management control pattern , improves loan risk control level. Carrying out the standardizing and technological process-rization loan center management control pattern. Working out the technological process uniting standard operation , building science , standardizing risk monitoring system and optimize credit risk encouraging and rewarding mechanism, building-up personal credit system to control individual credit risk ,and realize scientific management individual loan ultimately. At present, on one hand commercial bank can draw abroad personal credit estimating system and the advanced technology implement applying to individual credit risk manages On another hand coordinate with government departments, reinforces entire social credit system,and ready for individual credit basis data collection and accumulation. According to oneself business characteristic and development strategy, work out concrete personal credit appraising system.