Ningbo Urban Credit Cooperatives Individual Unsecured Loan Risk Control System Optimization

With the global economic environment changing,especially after the global financial crisis in2008,banks introduced various risk control measures.With the rapid development of Internet technology,the network has gradually penetrated the daily financial activities.Under the influence of the change of the world economic environment,the bank credit risk prevention and control faces new challenges.The traditional credit control measures have been unable to effectively avoid all kinds of financial risks arising from the development of bank credit business.In recent years,the global economic downturn,China banking credit system has a large impact,weak manufacturing that many manufacturing enterprises are facing financial difficulties,liquidity crises are frequent.China economic development is currently in the "new normal",as the world’s second largest economy bears great responsibility in the development of the global economy,the bank as a supplier of currency of the main activities of economic development,to enjoy the rapid economic development of the monetary bonus,also bear the industry fluctuations,the risk caused by the economic downturn.In view of the economic background of the complex,the banking credit risk category increases continuously,Ningbo city credit union credit personal loans from a stable early promotion,gradually in the late,overdue credit loan credit default.I found through the analysis of data breach of personal credit,which not only has the change of market economy,customer family situation changes in the market risk and credit risk,and our credit information collection is not comprehensive,the loan approval process,the audit risk control system is not perfect.Therefore,through the credit business operation during the loan before the loan,the loan after three,the angle of process,finishing the Ningbo urban credit cooperatives personal credit loan stock of consumer credit data,compared with normal risk customers and customers in the loan application and approval process of similarities and differences,and use the Ningbo urban credit cooperatives personal mortgage business of low risk and high quality the experience of credit,credit risk control aspects of the efficiency and risk control strength,optimization of Ningbo Urban Cooperative original personal credit risk control system,improve Ningbo city credit union credit loan credit quality,continuously expand the market influence,and the protection of business revenue in Ningbo City Credit Union,and promote the healthy development of credit business.