Research Management XY Individual Credit Risk Of Commercial Banks

Since the 1990 s, China’s personal credit business emerged rapid development, the balance includes consumer loans rising, individual housing loans more generally applicable. However, the personal credit business in China’s commercial banks is still an emerging business, independent of the system has not been formed. Although the risk management of personal credit belongs to an important part of the overall risk management of commercial banks, but from the current form has still not effective risk management.In this paper, the current status of China’s commercial bank personal credit risk management to start analysis, designed to detect problems in the XY commercial bank personal credit risk management, and proposed risk management process, the bank still needs further improvement and refinement of the proposal. At the same time, through the XY commercial bank specific case studies to discover the specific risks of their personal credit business in the presence, combined with their point of view to find solutions appear XY commercial banks in specific risk issues, raised the enthusiasm of the improvement program and Countermeasures. We hope XY commercial bank personal credit business can be more reasonable to avoid the personal credit risk, as far as possible the risk of possible losses caused to a minimum.In order to achieve this goal, the paper is divided into five chapters elaborate. The first chapter is an introduction, describes the research background, significance, summarizes the current situation of foreign and domestic banks in this area, also wrote the article in the creation of the research methods used, as well as innovation and articles deficiencies. The second chapter describes the theory of knowledge, and personal credit risk management of individual credit risk management processes. The third chapter of the overall status of China’s commercial bank personal credit business are introduced, followed by comparison with our other commercial banks.The fourth chapter is to lead to concrete problems Chapter III XY commercial bank personal credit risk management reasons exist for detailed analysis. The fifth chapter is the last chapter of this paper, risk management situation around XY Bank personal credit operations, respectively, for the external environment and internal environment XY banks put forward the corresponding solutions, hoping to prevent the risk of the bank’s consumer credit business to have The help.