Research On Risk Management Of Personal Consumption Loan In Bank Z

With the rapid development of China's economy in recent decades,people's consumption level has increased significantly,consumption habits have gradually changed from the previous savings to the current consumption of borrowing,these significant changes effectively promote the large-scale development of China's personal loan business,Personal consumption loans has gradually become an important direction for commercial bank loans.The rapid development of a loan business has important significance for China's economy,both to stimulate domestic demand,promote the role of macroeconomic development,but also to meet the daily consumer demand for consumers to enhance people's living standards.We can see the healthy development of a loan business related to the national economy,people's livelihood and other aspects.However,compared to many developed countries,China's personal lending business started late,less experience,the relevant system is not perfect,most of the commercial banks in the exploration of the forward.However,as people's acceptance of the concept of borrowing consumption is getting higher and higher,in recent years,China's personal loan business is expanding at an alarming rate.The existence of this contradiction will inevitably lead to a loan business is a great risk,but the degree of emphasis on risk and management can not match the pace of development of the business,once the outbreak of risk,commercial banks will suffer huge economic losses.Therefore,in the increasingly fierce market competition,how to improve the risk of commercial banks to control the ability to put forward practical business strategy to achieve the healthy and stable development of personal loan business,is the urgent need to explore the subject.This paper focuses on the issue of personal loan risk management.Through the experience of foreign advanced risk management,this paper explores the related problems of risk management from the actual situation of our country.From the introduction of personal lending business and risk management related concepts to start,in accordance with the risk identification,risk assessment,risk prevention and control of the idea gradually.First of all,it analyzes the systematic risk and non-systematic risk,and then evaluates the risk in the form of the scorecard score.Finally,it puts forward some suggestions on the risk control.The research methods used in this paper mainly include learning reference,factor analysis,case application,etc.,and combine theory and practice,put forward practical risk control measures,and have some guiding significance to practical application.