The Study On The Personal Credit Risk Control Of The Rural Commercial Bank Based On The Characteristics Of The Industry

Credit business of commercial Banks,is the life source of bank,bank profits is main source of credit business spreads.With the development of economy,bank credit business expanding,faced with the scale of the company's credit and personal credit enhancement,Banks in the credit business risk control ability is particularly important.At this stage of bank credit business area,personal credit business is growing so quickly,this also is closely related with the produce of consumer finance now,with the increase of personal credit business requirements,Banks are in the control for the risk of personal loans.For agribusiness bank is same also,in terms of personal loan risk control,the need to strengthen,this paper is carried out under the environment of personal credit analysis.This paper integrate the related theory of credit risk control and analysis,on the basis of the research at home and abroad for ZD agri-businesses bank inquiry;Secondly to analyze its personal credit agri-businesses bank risks and characteristics of different industries,from planting,processing and manufacturing,services,commodity circulation personal credit businesses such as strong a separate analysis of several industry risk control problem;Then the article on the basis of the analysis in view of the ZD agri-businesses bank in the aspects of risk control case of detailed discussion,the article research put forward the conclusion and prospect.Articles on the whole of personal loan risk control as the main line,is characteristic with industry analysis,in ZD agri-businesses bank personal loan risk control was carried out,in order to provide a personal loan to ZD agri-businesses bank risk control,enhance the ability of risk control.