LC Agricultural Bank's Business Department Personal Credit Business Risk Control Research

Personal credit has become an important growth point and an indispensable part of the development strategy of financial institution.The personal credit scale of LC business department of ABC continues to expand,but the credit risk is also becoming increasingly prominent.It has affected the persistent and healthy development of her personal credit.The risk control of personal credit business should be solved quickly.Based on the analysis of the current situation of the personal credit business risk of the business department,taking the typical case as the breakthrough point,the paper summarizes the characteristic and reason of the risk.Further,from the perspective of risk control,the paper makes a thorough inquiry of the current situation,problems and causes of the personal credit business risk control,and puts forward a complete solution.The result:(1)With the continuous expansion of the personal loan scale,the personal credit business risk of the institution is spreading,with a high risk concentration.(2)From the perspective of risk control,the institution acts serious risk control vulnerabilities in the whole loan process.(3)Main cause:serious shortage of personnel results in some of the missing link,competitive pressures force banks to reduce the risk control standards,task constraint leads the weakening of risk control consciousness.In order to enhance the profit,reduce the rate of non-performing and establish a long-term mechanism of compliance culture,on the basis of the three principles of scientificalness,high efficiency and practicability,the paper puts forward the whole process optimization of personal credit business risk control of before,during and after loan,and accordingly develops a better program and safeguard.Paper characteristic:(1)Pertinences of topic.Based on the work,obeying the logical route of present situation,question,root and countermeasure,the research takes the problem of personal credit business risk control as an object.(2)Typical cases of risk.With analyzing the typical risk cases,the paper obtains the characteristics and causes of the personal credit business risk,and then analyzes the problems existing in the risk control,so as to make the risk control improvement program more targeted.