The Research On Risk Management Mechanism Of Personal Loans For Agricultural Bank Of China Gansu Branch

Since the late1990s, with the continued rapid growth of economy in our country and the national macroscopic policy incentives, the urbanization process continues to accelerate, the loan business of commercial Banks, especially the personal loan business have a quick development, loan balance rapid rise. The personal loan business has entered the high-speed growth period of development. Commercial banks as a special institution for operational risks, must achieve effective ways to control the risks of operating activities. Relative to the trend of the rapid expansion of the scale of personal credit business, the level of risk management is still at a low level. Domestic commercial banks’ credit business risk management model is in the exploratory stage, to find a suitable personal credit business risk management model is particularly urgent.This article based on the background that each big commercial bank retail business transformation, vigorously promote the development of personal loan business, through the deep research in the theory of commercial bank’s personal loan risk management, the article analyses the personal credit risk management mode in the process of business operation of gansu branch of agricultural bank of China, summarizing the rerouted to personal credit business risk management problems that exist in the work, trying to find the bank’s own risk of personal loan business management mode which according with the self-characteristics, providing certain guidance for the risk management work of the personal credit business of the bank.