Research On Risk Control System Of Individual Loan In GX Branch Of ZG Bank

In recent years, the bank non-performing loan rate increased gradually.China’s commercial banks began to face a hitherto unknown risk. Bank risk control is gradually rising as an important measure of management. Establishing and improving China’s commercial bank risk control system is imperative. Based on the risk control system of ZG bank GX branch personal loans as the research object, first expounded the research background and significance, research status at home and abroad, the main research contents and methods. Then the GX branch of the personal loan business and the risk factors of type. Furthermore,GX branch of the personal loan business risk. The four is to find out the existence of the GX branch of the personal loan risk system existing problems, is five put forward the countermeasure and suggestion of GX branch of personal loan risk control system. The last is a summary of this article and the outlook for the future.This article is in the background of current financial environment has undergone tremendous changes, internal risks continue to increase. Study cases on personal loan risk control system in ZG bank GX branch, the research in the current has a certain theoretical significance and practical significance. This paper adopts the literature research, interviews, case analysis, quantitative analysis, qualitative analysis, system analysis method, tries to make a deep and thorough analysis of problems. This research on GX branch personal loan risk control system, based on the personal loan business of GX branch of the overall development strategy, also used the PESTEL model to analyze the environment,personal loan risk management system GREP model analysis the tool. Put forward for the GX branch of the personal loan business development risk management objectives, and the perfect risk control system put forward specific solutions and targeted to Countermeasures and suggestions, for future personal loans risk control system development of rational planning. Based on the research object and content, research methods, the proposed countermeasures and suggestions have certain innovation, but there are also shortcomings. At the end of this paper the bank personal loans risk control system prospect, and it willcontinue to follow up the related research. Also hope that through this paper,provided theory and experience can be used for reference to the same industry personal loans of financial institutions risk prevention.