Agricultural Bank X Branch Personal Loan Risk Management Research

In recent years is the golden period Chinese high-speed economic development, maintain GDP average annual growth rate in about 10%, I think the most important reason is that consumer spending growing. As everyone knows, China economic growth mode from the past investment of advancing gradually to the current consumption to promote the transformation of commercial bank loans, personal contribution can not be ignored, and even can be said that personal loans business is the main driving force for the development of the national economy.Similarly, the main source of profit of commercial bank in our country or business loans, compared with the traditional business loans, personal loans business will undoubtedly have a relatively decentralized, risk profit rate high advantages, gradually become a commercial bank one of the main source of income, but in the rapid development of the personal loan business at the same time, the risk will be highlighted. Emerging major cases brought huge losses to the commercial bank, all this makes us banks realized that only actively to know risk, control risk, the risk of personal loans is reduced to the lowest level, to achieve the business objectives of commercial banks.This article as a starting point to personal loans business based on the relevant theories of risk management, combining with the agricultural bank X branch personal loan business, through the analysis of the personal loan risk management status, and combined with the advanced management experience, international and domestic commercial Banks in personal loan business based on the theory of risk management, and summarizes the current our country commercial bank personal loan business of deficiencies and defects in risk management, and puts forward corresponding control measures according to its present situation, mainly including preventive measures before sound credit, specification of the loan after the examination and approval system, perfecting the credit risk measures and other prevention and control measures.