The Research On Risk Management Of Consumption Credit In Liaoning Branch Of Industrial And Commercial Bank Of China

Along with our country's social labor security system getting more mature day and day and credit system being founded step by step, new concepts of consumption credit have replaced traditional consume concepts of firstly earning money and then consuming. More and more residents start to accept service of consumption credit, and enthusiasm of consuming is growing in cities and towns. Commercial banks seize the opportunities and have been developing services of consumption credit in order to satisfy increasing need for credit of residents. The business of consumption credit in commercial banks has become a new way of interest rising, and has a bright future after its development for several years. The balance of consumption credit of our country has reached 30916 hundred millions by the end of Sep.2007, increasing 30743 hundred millions more than that of 1997 and is 178 times of that when the business just was carried out. However, along with expansion of the scale of this service, problems and risks in consumption credit gradually appear, which have been handcuffs to the development of consumption credit healthily in our country. Therefore, it is very important to research the models of risk management in consumption credit and put forward for measures for improving, and the study will have great realistic significance for guiding business of consumption credit in commercial banks.This thesis uses the research methods of in-the-spot investigation and indirect investigation to analyze the present condition and existing problems of consumption credit of ICBC Liaoning branch. By studying the history, characteristic, external environment and risk management of consumption credit of USA, this thesis summarizes a deal of enlightenment that ICBC Liaoning branch could obtain. By comparing and analyzing, this thesis provides some strategies and suggestions. Before loaning, the bank should develop scientific estimating system for personal credit and persist in investigation regulation. Loaning procedure, the bank should carry out unified system of examining and approving, and enhance ability of management risk of staff. After loaning, the bank should implement unified system of monitoring and recovering for debt, and develop warning mechanism. All these measures promise to achieve the aim of managing risk of consumption credit validly, and are expected to be able to resolve problems in consumption credit of ICBC Liaoning branch.There are six chapters in this thesis. The first part is introduction; the second part is the theories of risk management of consumption credit in commercial banks; the third part is the analysis of live question on risk management of consumption credit in Liaoning branch of ICBC; the fourth part is the experiences and lessons from risk management of consumption credit in USA; the fifth part is some proposals to improve and perfect risk management of consumption credit; the sixth part is conclusion of the thesis.