Research Of Avoiding On The Risk Of Personal Loan In Bank Of Jilin,Liaoyuan Branch

Since the 90 s in our country,the bank's personal loan business unceasing development,and developing at a breathtaking pace.Loan balance continues to increase,and the rapid development of the personal loan business,these are shown in the loan business is in a high-speed development of The Times.In addition because of the financial industry of our country starts late and develops slowly,the commercial Banks to carry out the personal loan business belongs to the emerging business,not its risk management mode,the method can be used by pattern,more not form a complete system of risk control.Given that a commercial bank in our country develop the current situation of personal loan business,expand the personal loan business,the proportion in the whole loan business share of the existing risk management system and rapid development of personal loan business risk management requires highly match,be badly in need of improvement and improve the existing risk management system.Is consistent with China's economic reform,long-withering urban residents' consumption and investment enthusiasm rising,jilin long-withering bank personal credit business presents a rapid development momentum.Personal credit business for the bank of jilin,long-withering also belongs to the emerging business,the personal credit risk management is not can use the current mode,more not form a complete and independent system,but only as a component of comprehensive risk management.This paper first analyzes the bank of jilin,long-withering personal loan risk characteristics and hazards of the introduction of the basic concept of personal loan business risk prevention,risk of personal loan business and the related theory andpersonal loan risk management theory and process system is introduced.Secondly,through the current situation of commercial bank personal loan risk management more comprehensive analysis,to explore the risk factors of lays the foundation for further personal loan risk prevention countermeasures.Finally,through the analysis of jilin bank long-withering with navigation the risks of personal loan risk present situation and problems,puts forward some suitable for their personal credit risk management measures,combining the risk management policy and jilin bank long-withering key link in the business process expounds the risk prevention measures,for the future development of the bank of jilin,long-withering has the reality guiding sense.