The Risk Management On Personal Loan Business Of Shenyang Branch Of Bank Of China

Personal loan business of commercial bank has a close connection to national macroeconomic policy.With China's reform and opening up and the continuous improvement of the living standards of the residents,commercial bank personal loan business gradually developed.Shenyang branch of Bank of China' is located in the capital of Liaoning Province,which is a central city in the northeast of China and personal loan business has developed nearly 20 years,BOC actively carries out the country's policies and the total provincial line of work deployment,increasing the individual housing loan business development efforts to consolidate the basic status of the housing loan business,and actively cooperating with the government to the related inventory work;satisfying the growing consumer demand in Shenyang area;expanding vigorously the consumer loan business,and developing the growth point of non-housing loan business.BOC also actively takes the social responsibility to help the small and weak social group,and establish different types of characteristic financing service regarding different business district customers,industriad chain customers,and agriculture-related customers.The effect of China significant banks in Liaoning brand is building,constructing a relatively complete system of products,and forming a stable but flexible marketing mode in the fierce competition in the market to establish competitive advantage and becoming the new business and profit growth of Shenyang branch BOC.However,with the constant changing of the slowdown of overall economic development,even the negative growth appears.Facing the current economic situation in Liaoning Province and the lives of the residents,changing consumption habits,how to avoid the credit risk caused by the policy changes,market fluctuations,personal defaults and other factors is quite worth discussing by contemporary banking.This paper is showed under the above backgrounds.As a common staff personal loan manager in BOC personal loan business department,the author gave this paper combining with the experience and thinking on issues related to the daily work,basing on the theory of risk management and personal loan business of commercial banks,researching from the perspective of risk control of commercial banks.Through the development of trend in recent years in personal loan business as well as the asset quality changes as to Shenyang branch of BOC,the paper analyzes the existing problems,the causing backgrounds and gives a research on how to prevent the risk,and puts forward the prevention and avoidance of risk countermeasures and suggestions.Specifically embodies in the following aspects.Firstly,summarize the personal loan development of Bank of China in recent years,which enriches the understanding of the current status of personal loan in commercial banks.Secondly,explain the types of personal loan risk in Bank of China by expounding the connotation of personal loan business and risk,analyze the existing problems of personal loan risk control in Bank of China,and put forward effective measures to strengthen the risk control ability related to the reality,which provides a new ideas for the banks to prevent risks.Thirdly,it is clear that the healthy development of Bank of China must depend on the effective control of risk.Only by strengthening the risk control ability can the fund security be realized and the competitive advantage be expanded,which plays a guiding role in personal loan business development in Shenyang branch of BOC.Fourthly,in practice,by improving operating speed of personal loan business in Shenyang Branch of BOC,the paper ensures the quality and actively carries out the related inventory work,so as to speed up the supply side reform and effectively stimulate domestic demand and economic power in Shenyang area,to promote the development of the national economy.The author of this paper studies the meaning of the topic through looking for relevant books and academic papers,and finds the core of the paper by analysis and research.Meanwhile,the author also visits some people with related experience and actively contact the supervisor to get further ideas and better understanding of the theme.The author makes use of the internet to collect information during writing this paper.