Research On Credit Risk Management Of Personal Loan Of N Bank Y Branch

Since China’s economic reform and opening up, the demand for funds has been growing and China’s commercial bank hence gradually introduced business in personal credit, which rapidly developed in the early 21st century. After China accessed to WTO, financial sector in China is much more open and competitive. Personal credit business has become an important part of profit growth of commercial banks and a strategic development position of most financial institutes. Due to the lasts start of personal credit in China, risk management of such business is fragile, which makes the risk management study of such business is particularly important to China’s commercial banks, especially after the banks experiencing the Asian financial crisis in 1997, the U.S. subprime mortgage crisis in 2007 and nowadays’ ever strengthening state regulation of real estate market.Credit risk is the main risk of the Commercial Bank of our country has faced for a long time, loan quality determines the survival and development of commercial banks. Therefore, to carry out the research of personal credit evaluation, strengthen the data analysis, establishment conforms to our country national condition the personal loan credit risk management process, objective, comprehensive, accurate analysis of the risk of personal business loans, has the important practical significance to the prevention and control of the effective management of credit risk.The new capital accord for the modern commercial banks in the credit risk and to provide a method of risk measurement data and based on the model of risk management, to encourage the development, progress and complete disclosure regulation policy ideas, promote scientific and refinement of risk management of commercial bank. In this paper, using a branch of the agricultural bank of Jiangsu province China as the research object, discusses the present situation of the new capital accord the operating mechanism of credit risk management in commercial banks, points out the existing problems, and puts forward the concrete implementation scheme should be used and the corresponding suggestions, provide a reference for the theory and practice the application of management in commercial banks, which improve personal credit risk management performance.