Research On Personal Credit Risk Management Of Commercial Banks In China

With the rapid development of China’s economy and improve the quality of living, the demand for consumer credit business has also increased, making the personal credit more universal. Banks are seeking to expand their credit business, however, in its rapid expansion, the individual credit risk issues have been exposed to credit risk for personal conduct effective prevention and management has become a hot issue in the financial sector. In this paper, Kunming Branch of China Merchants Bank, for example, because of Kunming Branch of China Merchants Bank, as one of the province’s economy, financial services institutions, plays an important role in financial markets in Yunnan, personal credit business in recent years has made some progress. Especially in process optimization, the work product development, team building, etc. The good performance, making the scale of business continues to grow, to maintain good asset quality, market competition continues to increase. However, in the achievements but also faces enormous challenges loan risk. In view of this, the article analyzes the use of literature and comparative law, a credit risk management by summarizing previous research experience of enlightenment and abroad outstanding commercial banks, in combination Kunming Branch of China Merchants Bank loan risk analysis on the basis of the actual situation make recommendations for improvement commercial bank loan risk management.This paper is divided into six parts: The first part is an introduction. It introduces the research background and significance, and explains the research ideas; the second part is an overview of the theory of personal credit. Briefly describes the concepts of personal credit, risk classification and causes; the third part is the experience and enlightenment domestic and foreign commercial banks. By contrast excellent domestic and foreign experience of commercial banks, were analyzed; the fourth part is the status quo Kunming Branch of China Merchants Bank loan risk management. Through field investigation indicates that the cause and the resulting current problems; the fifth part Kunming Branch of China Merchants Bank loan risk management options. On the basis of the fourth part, combining branch of the situation, investigate specific Kunming Branch of loan risk management, while a consolidated basis over the first four chapters of the proposed appropriate measures; sixth part is conclusion, the lack of research and future research directions. Concludes the paper and on the basis of this article on the future of research in the future.