Project Management Research On Implement Of The Personal Consumption Loan System Of Postal Savings Bank Of China

In order to deal with the economic downward continuous situation, the central bank has cut deposit and lending rates, in the premise of increasing difficulty of deposits, loan profit margins further diverted, the traditional bank profit model suffered a hitherto unknown challenge. But at the same time, the deposit loan ratio market policy for bank loans is to open a window in the closed door case, which requires banks to change ideas, change the inherent mode of operation, with the change to meet the challenge. To seek development with innovation. Postal savings bank as a forerunner of the state-owned banks, in order to cope with the changes in the form of economic and market challenges, from the beginning of 2015 to the existing personal consumer loan business system to update. Individual consumption loan business is an important part of the traditional bank loan business, the postal savings bank for personal consumption loans for more than 5 years, the amount of funds invested huge gains brought impetus to the development of the bank. Business system optimization of personal consumption loans has an important significance to the system, postal savings bank loan business loans into pieces, approval and payment, the loan to the original by artificial or semi artificial, system transition, and to speed up the approval rate reduced the technical risk and human factors moral hazard. However, in improving the efficiency of the same time, there is also a system for approval can not fully docking artificial approval, in the various aspects of the transfer of the parts of the hidden dangers. The introduction of project management theory, the limited resources constraints, using the theory and method of system, the on-line system of effective management systems, rules, personnel together to achieve the goals of the system within the prescribed period of time.This paper focuses on the theory of project management, which is combined with the project management theory, to optimize the theory of project management for the new generation of personal consumption loan business system. This paper mainly predicts the risk of new system may occur when on-line; and then analyze the recognition of the new system on-line risk in each stage, according to the probability of risk and the degree of influence on the global classification of risks; finally gives the solution to various risks.