Research On The Risk Management Of Personal Loan For J Bank

In recent years,with the development of social economy in our country,especially the real estate market,the development of the auto market,the development of personal loan business has entered the fast lane.But because of personal ability to resist risk is low compared with organization,combined with the bank internal management as well as social good faith construction of the outside world,and many other factors lead to bank in is engaged in the process of personal loan business need to constantly strengthen the risk management.Some Banks in recent years,the rising non-performing loans and personal loans faithless case often get caught up in,the bank in the personal loan business management is indeed a lot of deficiencies,need to think deeply about how to carry out a personal loan risk management and practice constantly.J bank and many Banks,there are certain "deposit,loan" phenomenon.In the marketization of interest rate as well as our country's economy into a new normal situation,J bank must constantly enhance personal loan risk management,promote safe development ability.This article USES the literature material method,qualitative and quantitative analysis method,case method and other research methods,from the seven aspects of J bank risk management issues related to research,this article research altogether is divided into seven parts.The first part is to research on the overall planning,overall planning,discusses the content such as the background significance of the study;The second part is theory are summarized,involved in the study of improving theoretical research;The third part is the business of J bank's personal loan risk identification,this paper J bank's personal loan business situation,J bank's personal loan business risks,and the characteristics of the J bank's personal loan business risk.The fourth chapter is about the present situation of J bank's personal loan risk management and the analysis of existing problems.Mainly includes the present situation of J bank's personal loan risk management,etc.The fifth part mainly discusses the improvement of J bank's personal loan risk management plan including J bank loan risk management objectives and principles of personal loan risk management improvement,such as the content,the sixth part puts forward the prevention of J bank's personal loan risk safeguard measures mainly include perfecting personal credit system and information exchange system,improve the loan guarantee system,enhance the capacity and quality talent team,improve product innovation,improve the assets risk early warning mechanism.The seventh part is the summarize the research conclusion.Through the study of this article hopes to provide enlightenment to improve J bank's personal loan risk management for reference.