XX Commercial Bank Personal Credit Business Risks And Prevention Research

After the1990s, foreign Banks are in the business strategy adjustment, takingthe personal credit business as business priorities. After entering into the WTO, thepersonal credit business of our commercial bank began to grow rapidly. But comparedwith foreign developed countries, our personal credit business is still in the primarystage, and the ability of risk control is still not mature at present. This research is rightin this context. This topic made a introduction of the personal credit business,including the meaning of individual credit, the position and role of personal creditbusiness, relations between personal credit business and credit business. Then itsummarizes the overall development situation of our commercial bank personalcredit’s situation, XX commercial bank personal credit development present situation,and XX commercial bank personal credit development characteristics. On this basis,this topic summarizes current XX commercial Banks in the development of personalcredit business there in credit risk, liquidity risk, mortgage guarantee risk andoperational risk, etc from the qualitative method; From the quantitative method thistopic analysis the existing Credit Metrics model, the KMV model, CPV model andthe Credit Risk Plus model and so on, and regards Credit Risk Plus model as mostsuitable for XX commercial Banks. On top of this, this topic proposes takingmeasures by establishing personal credit system, strengthening the businessinnovation, perfecting the internal rating system, developing low risk customer group,and other comprehensive measures to solve these risks.