The Research On Personal Loans Risk Management Of AB Bank TC Branch

Personal loans to customer demand for increasingly diversified credit assets, extended from the initial loan to buy a house, car, etc. to the field of education, production and investment. With respect to corporate customers, individual credit business customer base large-scale, single loan amount is relatively small customer, customers scattered in different regions and industries, is more conducive to the dispersion of credit risk, and single customer losses caused by adverse impact on the bank's overall credit quality assets small. Thus, the steady development of personal credit for banks to improve asset quality, get a stable income,the implementation of prudent operation and rapid development of great significance. This article is based on this background, AB Bank TC Branch as an example of individual credit risk management of a study by analyzing the current status of AB Bank TC Branch personal loan business risk management and problems, combined with TC branches personal loan business reality explore ways of AB Bank TC branch personal loans business to implement effective risk management and risk prevention, so as to achieve compliance management, the purpose of steady development, effective prevention and avoid business risks.In the course of the study this paper uses a systematic approach, case study method,multidisciplinary analysis, this study followed first systematic analysis of ideas, from the overall personal credit business development background to AB Bank TC Branch case analysis, from Genesis analysis of the suggestions, systematic determination of the structure of the paper. Secondly, it takes a case study method of AB Bank TC Branch personal loan business to analyze the actual situation. Finally, integrated application that includes asymmetric information theory, the theory of the basket, and the theory of credit rationing theory candy, including management, economics theory to expand the multi-angle study papers, papers to ensure comprehensive and scientific arguments.According to AB Bank TC Branch problems in this article mainly we propose the following suggestions: Establish risk control department, to strengthen the application of credit information management system, improve the credit approval process, improve credit professional quality, strengthen access control, control of credit, to be secured to control and make full use of aids and other countermeasures, as AB Bank TC branch personal loanbusiness risk management provides a theoretical and practical basis.