A Question Research On The Risk Application Management Of Personal Credit In JN Branch Of PSBC

This article aims to solve the jn postal savings bank about personal creditbusiness is dealt with in terms of risk management problem, and need furtherimprovement in the process of risk management problems.Through the analysis ofspecific cases, the article is trying to explore the risks in personal credit, combinedwith author’s own ideas to discuss the porper solutions to help the Jining Post Bankpersonal credit business avoid risks, trying to reduce the loss caused by risks relatedto the personal credit to the minimum. In order to achieve the goals above, thisarticle will apply theories of personal credit risks in banking area, first elaborates themeaning of personal credit, and further the meaning of personal credit risks and thensummarizes the current research status in foreign banks and domestic banks, andthencombine their situations with the specific cases of Jining Postal Savings Bank andto analyze the problems existing in jining postal savings bank personal credit businessrisk management p,afterwards, to conduct the conclusion by stating the rightsuggestions and countermeasures on the author’s own idea, to help the jining postalsavings bank personal credit business maintain a sustainable development.This article is divided into five chapters.The introduction of the first chapter isintroduction. Introduced in this paper, the research background, train of thought andstructure, also wrote the article in the used method. The second chapter is thedomestic and foreign Banks and individual of personal credit business riskmanagement problems in the research were reviewed. The third chapter firstlyintroduces the profile of jining postal savings bank, secondly, this paper introduces thegeneral situation of the bank personal credit business, and then by jining the specificrisk of postal savings bank personal credit business case to show and to concreteanalysis case, and raises the bank personal credit business risk problems. Chapter ivfor specific jining postal savings bank personal credit business risk of the status quoand analysis, points out the specific reason for the risk problems. The fifth chapter isthe final chapter of this article, jining postal savings bank personal credit riskmanagement present situation, proposed the corresponding solution and safeguardmeasures, hope to help the bank guard against the risk of personal credit business.