Research On The Risk Management System Of Personal Consumption Loan Business Of Y Bank LC Branch

In recent years,the personal consumption loans in the banking business is a major bright spot,the business is not only an important source of bank profits,but also one of the power to promote the development of national economy.Since the financial crisis in 2008,personal consumption loan business has a certain scale of development in different countries,and governments use the personal consumption credit to boost its own economic development to get the result of the financial crisis.Personal consumption loan business has less capital consumption,national policy support,etc,and is becoming more and more favour in numerous commercial Banks.Commercial Banks have to carry out the business,also increasingly fierce competition between each other.Second,personal consumption loan business is different from other forms of loans.It has its own features:Loan object is a natural person,and the loan application is difficult to handle.So personal consumption loans relative to production business loan risk is bigger.Comprehensive the above two aspects,the study of personal consumption loans risk management is very necessary.The Y bank LC branch was established in 2007 and began to develop consumer loan business in 2009.In recently years,the personal consumption loan business is developing very rapidly.The personal consumption loan business was increased 800 million RMB in 2016,reached a record high.The business has developed rapidly.But due to time is shortly,Y bank LC branch for personal consumption loan business of the construction of the risk management system is not perfect.Once the decline in market economy situation,the non-performing loans will rise rapidly.So making accurate business risk management system is the current task to be solved.In the initial stage of personal consumption loan business,timely to find the problems in the current risk management system and to establish the accurate business risk management system is the urgent task of the bank.This article aims to solve the Y bank LC about personal consumption loans risk management problems,and need further improvement in the process of risk management problems.The article analyzed the specific cases to find in any of the individual consumer loan business risks,and combined with own point of view to build a set of effective risk management system,hoping to be able to help Y bank LC branch better to evade the risk of personal consumer loan business.This article is divided into five chapters.The introduction of the first chapter is introduction.This paper introduced the research background,significance,research status about this issue at home and abroad,research contents,methods,etc.The second chapter expounds the related theory of personal consumption loans risk research.The third chapter has two parts.The first part described Y bank LC branch general situation of personal consumption loans from the overall size,type and structure,bad loans and other aspects.The second part summarized the bank LC branch Y personal consumption loans risk management system of the status quo.The fourth chapter illustrated the specific case to analysis problems in personal consumption loans risk management system.Then this part combined the risk management system of other industry to analyze the problems.The specific reason for the risk problems are pointed out.The fifth chapter combined the previous four chapters to constructed Y bank LC branch personal consumption loans risk management system,and proposed the corresponding countermeasures and Suggestions.