Personal Credit Management Research In Jilin Bank

At present, the business structure of banks has already changed fromdemutualization to retail trends in many countries. Recent years, in China, manybanks have adjusted their credit business structure and made a series of retailingstrategic development plan. However, in fact, there are certain risks occurredwhen foreign banks on their ways of developing individual credit business, suchas the US subprime crisis. Therefore, it is an extremely important an d valuableresearch on individual credit management and risk prevention.In this thesis, I will combine theory and practice and analyze on the basis ofthe concept of individual credit management and theoretical analysis, deeplyanalyze the situation of individual credit management in Bank of Jilin.Meanwhile, based on the vast amount of information and data about thesituation and problems of individual credit management in Bank of Jilin, I willpurpose forward solutions.There are three parts in this thesis. First of all, stating the main feature,definition, characters, risks and theoretical knowledge of individual credit.Second, introducing the development of Bank of Jilin, especially making aelaborate analysis of individual credit in this three years, the analysis containsthe main target audiences, main business category, and business characteristic,etc. In the end, posing the problems after analyze the situation of individualcredit in on. For the purpose of promoting the individual credit busin essdeveloping in Bank of Jilin and be aware of the risks ahead.This thesis, uses literature analytical method and case analysis, is a researchon the management of individual credit of Bank of Jilin. On the process ofstudying advanced management concept and framework, as well as combinethe situation of Bank of Jilin, keeping eyes on both development and riskprevention, either of them can not be biased.