Research On Optimization Of Personal Loan Credit Risk Management Of GS Bank Shaanxi Branch

Credit risk management plays an important role in the risk management of commercial banks.In the past,each bank has its own credit management approaches which are all based on the information of the customer's application materials and the credit reports issued by people's Bank.But in this way,there is very little limited information can be obtained and the authenticity of the application material is difficult to fully confirm.At the same time,the lack of a sound early-warning system and effective risk control means makes it difficult for the commercial banks to prevent the borrowers' credit risk.The application of big data and emergence of all kinds of network financial company are striking the personal loan business of commercial banks,if there is still no improvement,the commercial banks will gradually lose competitive position.This article is aiming to solve the problem and help to increase the GS banking competitiveness and asset quality.It is based on the theories of the credit risk management and big data,including the definition of credit risk,and excellent foreign management experience.With the understanding of the past and current situation of GS Bank branches in Shaanxi Province,the essay finally brings up solutions on improving the risk management method through in-depth interviews.Finally,in order to make sure the measures work well,the essay also puts forward the guarantee measures.This paper picks up the improvement of the credit risk management of GS commercial bank to make a futher study to increase its competitive ability and to reduce the rate of non-performing assets.It is also provides a feasible way for other commercial banks on credit risk management.