Study On Problems And Solutions Of Personal Loans Management Of XiGu Rural Of LanZhou Credit Unions

The reform of rural credit union has already been taken for almost one decade of years. The r ural credit union has formed corporate governance structure of braches and sub-branches which th e branches of province perform the function of supervision and the sub-branches of district (count y) are responsible for management and conduction. The performances of county sub-branches affe ct all profitable indicators of province branches and incomes of employees. Because of the lag of i ntermediate business, the main businesses of credit unions are still credit operations. With the deve lopment of personal loan business, personal loans account for a significant proportion in all loans, and become the most risky business.Promote the capacity of managing personal loans are the mos t urgent need of all rural credit unions.Taking XiGu sub-branch as an example, this thesis analyzes the trend of personal loan development, and states the following problems:the risk management of personal loans of XiGu district sub-branch; the status of personal mortgage loans, personal productive loans, personal farmer’s loans and personal consumption loans; the problems in personal loans management, such as lack of staffs, absent of procedure, and lag of marketing means. The author takes the reasons of the above problems as:unsoundness of risk management, no system of personal loan risk warning and imperfect incentive constraint mechanisms; and proposes the advises from management aspect according to the reasons of problem in personal loans business of XiGu:perfecting personal loans risk management, establishing mechanisms of credit procedure management and staff management, setting up manage mode of custom oriented "authorization" and "lending".This thesis uses the theory of personal loan management, and provides the whole design and planning for personal loan management of XiGu sub-branch, which can help XiGu sub-branch to establish sound personal loans management system and solve the problem in personal loan management. Simultaneously, this research can also provide reference for other sub-branches of rural credit unions.