Research On The Risk Control Of Personal Loan Business Of China Construction Bank Branch Of Jilin Province

With the rapid development of economy in our country, the national incomelevel has improved significantly, people’s consumption concept also is constantlychanging, therefore, to promote the development of banking loan business. Alongwith the increase of personal credit consumption, the rapid development of thepersonal loan business support for economic development has played a huge role.Personal housing mortgage and personal auto loan business rapid development,become the main on the direction of construction bank loans. The risk of personalloan business has been preliminary cognition by various commercial Banks, but dueto its relatively new business, the existing management mode has been exploring andperfecting. At present, most of China construction bank branch of Jilin province fromthe perspective of risk management, a comprehensive risk management, but from theestablishment of complete personal loan business risk management system, the goalof the existing methods is very scattered and incomplete. Personal loan risk hasalways been to prevent and control the main financial institutions and regulatoryobjects and one of the core content, is China construction bank branch of Jilinprovince has been focus and difficult problem.This article from the China construction bank branch of Jilin province personalloan business risk control perspective, personal loan business of China constructionbank branch of Jilin province the first expounded the status quo of risk control, andthrough the relevant information and literature to find and understand the personalloan business of construction bank in Jilin province branch direction control problems,such as personal credit management system is not sound, lack of form a complete setof perfect market system, lack of professional risk control team and varieties of asingle, etc.; Then, in view of the existing in the construction bank personal loanbusiness risk control in Jilin province branch, analysis of the causes of the specificproblems and put forward a series of targeted solutions, such as: strengthening personal loan business risk prevention and control training, strengthen the loan "threecheck", strengthen the management of cooperation projects and cooperationmechanism and strengthen post-loan management and so on.In this paper, the construction bank in Jilin province branch of the perfection ofpersonal loan business risk control provides a series of countermeasures andSuggestions, put the management of the construction bank personal loan business ofJilin province branch work according to the can depend on, also make theconstruction bank personal loan business risk control mechanism of Jilin provincebranch will be improved.