Research On A Bank Consumption Credit Risk Management

Financing is the core of the modern economic,the lifeblood of the national economic and it's the reflection of the economic developing.Financing is a highly risky industry.With the increasing proportion of the consumption loan in the whole loan business,the risk becomes more and more serious.Banks expand consumer credit business,can directly and indirectly stimulate domestic demand,so as to support economic development.In recent years,with the rapid development of consumer credit business,the scale of business gradually expanded,the risk of consumer credit has gradually emerged,so pay attention to and strengthen the study of China's commercial banks,consumer credit risk management research for China's commercial banks to protect consumer credit business As well as the healthy development of the financial industry,has important practical significance.This paper uses the theory of consumer credit risk management,combined with the development of China's consumer credit and risk management practices to A bank as the object of study,from personal consumption credit scale and changes in the proportion of individual consumer credit,credit quality marketing ideas and marketing performance The author analyzes the current situation of consumer credit in Bank A and analyzes the main existing credit risk,market risk,operational risk and other consumer credit risks in Bank A,discusses the causes of Consumer Credit Risk of Bank A,and studies the risk of consumer credit risk of Bank A The paper analyzes the problems existing in the consumer credit risk management,such as the imperfection of consumer credit regulation,the over-concentration of consumer credit business,the imperfection of internal control system,the backwardness of risk management methods and the backwardness of the concept of consumer credit,and then use Back Propagation A bank credit risk assessment,and finally put forward A bank credit risk prevention measures.