A Research On The Risk Management Of Persona1Credit In Mudanjiang Branch Of PSBC

Today, economic globalization is becoming increasingly evident, so as an important part of economic development,the business structure of domestic and international banking is also constantly changing.And because of less capital consumption,personal credit is increasingly favored by many commercial banks, lots of commercial banks have launched this business, and the competition between them is becoming more and more intense.With China’s accession to the WTO,opening up of the banking sector and the entry of foreign banks have become an indisputable fact.China’s commercial banks have to face such an open situation,face tough competition in the market, so we have to both guard against credit risk and strengthen the development of personal credit.In this paper, Mudanjiang branch of Postal Savings Bank of China (PSBC) is used as a research background,and the personal credit risk management was studied.First,we introduce the concepts and types of personal credit and credit risk in detail.Based on this,we conduct a detailed analysis and comment to the environment and development of personal credit in domestic and foreign banks, and a further research about the corresponding risk management issues of domestic commercial banks.After selecting Mudanjiang Postal Savings Bank as a concrete example,by analyzing the current situation of the personal credit business in the bank, its specific characteristics,and the status of risk control and management, we find the shortcomings of risk management in personal credit business in this bank.And by introducing and application the SWOT method, the strengths, weaknesses, opportunities,and threats of the Postal Savings Bank of Mudanjiang branch are revealed through a detailed and thorough inquiry.Finally, we inherit the idea of earlier research,and recognize the risk management status and the existing problems, find the goal of constructing credit risk management system,give some reasonable and targeted advice and views for preventing and reducing the credit risk of Mudanjiang Postal Savings Bank, such as strengthening supervision, improving internal control,standardizing operation, improving staff quality and risk awareness, strengthen the legal regulation, thorough investigation and management, expanding research extent,improving information, strengthen security management, reducing non-performing loans,risk transfer and improving the early warning mechanism.