The Study On Risk Management Of A Bank Z Branch's Personal Loan Business

The orientation of the personal loan business has changed with the deepening of national economic reform and the adjustment of economic structure,some unreasonable adjustment factors appeared at the same time,the development of the real estate industry is an important factor.In recent years,the real estate market develops very quickly in the social background of slowing economic growth,which attracted the attention of the A Bank Z Branch's leaders,therefore the focus of the A Bank Z Branch's development was relatively changed.The slowdown of the economic growth has led to a lot of the personal loans' default in the meantime,this challenge the risk management of the A Bank Z Branch's personal loan business greatly.The adjustment of the A Bank Z Branch's personal loan business have been aggravated limited by the existing risk management system,which led to the growth of the deteriroration in the structure of the personal loan.The uncontrol of the personal loan business especially the personal business loans' related risks is the key fatcor which hinders the healthy and sustainable development.Combined with the current weakness of the risk management system and existing risk exposures,this article is based on the products of A Bank Z Branch's personal loan business and the development status,there are three types of harmful risks or potentially harmful risks of A Bank Z Branch's personal loan business,including customer and third party dimension,the external dimension and the internal dimension,and then analyzes the related risk causes.The customer and third party dimension including asymmetry information risk,customer credit risk and the risk of third party cooperation institution.The external dimension including marker risk,the risk of legal and compliance and supervision risk.The internal dimension risk including the risk of loan business process and institution,development scheme risk,scale control risk,staff operation risk and employee moral hazard.This article elaborates,analyzes and generalizes the relevant risk points,and then puts forward the corresponding countermeasure with practical significance according to the business practice.The main measures are digging deep in pre-loan research,using the strict access restrictions and implementing third-party dynamic management for customer and third party risk.On external risks,the main measures are strengthening the management of the orientation of the personal loan,strengthening legal and compliance construction and developing business in the perspective of financial regulator.The main measures are strengthening business processes and system reengineering,brainstorming scheme,doing well in the scale control,enhancing professional team building and adjusting the evaluation systme to punish the collaboration of the inside and outside severely in regard to internal risk.This article is not to establish a comprehensive,effective and practical risk management system for A Bank Z Branch's personal loan business,but to raise the corresponding questions according to the defects in the existing business processes and risk management system,and then to present countermeasures to make up for the lack of the existing risk management methods and means.In the end,it is to identify,prevent and mitigate the corresponding risks.