Research On The Risk Management Of Personal Consumer Credit Business Based On China Weifang Bank

The sustainable development of Chinese economy has made remarkable achievements,the per capita disposable income will continue to increase,a good economy to the consumer market rising,consumer market demand for consumer credit instruments are increasingly strong,consumer credit business ushered in the good opportunities for development.The rapid development of personal consumer credit business has also raised higher requirements for the risk management of personal consumer credit business.In this paper,the Bank of Weifang,a joint-stock commercial bank in China,is selected as the research object.By combining the theory with the actual background of Weifang bank,we study the problems and Countermeasures of risk management of personal consumption credit business implemented by Weifang bank.In order to provide reference for Weifang bank decision makers,improve the risk management level of Weifang bank's personal consumer credit business,and also provide reference for other commercial banks in China to improve the risk management system of personal consumption credit business.This paper will take "risk identification-risk assessment and early warning-risk control" as the main line to carry out the research.First of all,starting from the concept of personal credit and credit risk,analyzes the reasons of Weifang bank personal credit risk,to infer the main cause of the credit risk of the borrower's credit risk;on the basis of this analysis,the Weifang bank personal consumer credit business risk identification fee for research,summed up the general method of credit risk identification of the Bank of Weifang and the start point of recognition;then,to evaluate the Weifang bank personal credit risk,the establishment of the Weifang bank personal credit risk evaluation system;finally,prior to the full establishment of credit risk management system of Bank of Weifang proposed loans based on the borrower needs to evaluate preliminary credit personnel classification,set up to deal with review of credit risk positions,establish credit risk early-warning system,in the whole line We should popularize the culture of risk management,establish the individual credit system of the whole society and the personal credit network and so on.