Research On Personal Loan Risk Management And Control Of P Bank Z City Branch

With the change of consumption pattern and the change of the social economic structure,the personal loan business has a new vitality and become a new business growth point.But at the same time,the competition between banks in personal loans is also growing,small and medium commercial banks in the personal loan business market advantage is not obvious,risk prevention and control,especially its short board.Therefore,small and medium sized commercial banks to enhance the competitiveness of the prevention and control of risk,out of their own way in the big gap is very necessary.This paper selects a typical stage of P bank Z branch as the research of risk control case,based on the analysis of the basic situation of the personal loan business situation,personal loan risk management,the bank believes that there are five main problems in risk control,business operation the process is not standardized,department division of responsibilities is not clear,there is a short board system is not timely,and implement the control links are not smooth light marketing idea,wind control.To put forward constructive suggestions on the problem,in this paper measures the risk management of personal loan business,commercial banks as an example,the analysis of the management mode,it will provide references for the following recommendations.And finally got five suggestions,which are optimizing operational processes,establish the credit business management department,strengthen the system,establishment and implementation,strengthen the education and training of grass-roots workers and closely linked "three links".