Research On Pre-loan Risk Management Problems Of Personal Consumption Credit In Commercial Banks

Since the reform and opening up,China's economy has continued to grow at a rapid rate,and its GDP has maintained steady growth of over 6%for many years.Consumption,investment,import and export are the main drivers of GDP.However,due to the mature development of investment,import and export,consumption has gradually become an important driving force for economic development.At the same time,personal consumer loans are growing rapidly,which has become a key point in the breakthrough of bank's profit.For personal consumption loans,risk management not only is beneficial to the development of bank economy,but also is helpful to bank control credit business,thus it is of practical significance to develop an effective credit risk management process before personal consumption credit and have a research on the improvement of bank's risk management level.In order to study pre-loan risk management of personal consumption credit loans,this paper firstly has the review of domestic and foreign literatures and summarizes relevant concepts.Secondly,analyze the current situation and existing problems of personal consumption credit risk management in Xiamen branch of bank X.Third,build personal consumption credit risk assessment model and have the application,test and analysis of the model with the data of Xiamen branch of bank X.Finally,based on personal consumption credit business of X bank Xiamen branch,we put forward the countermeasures and suggestions about pre-loan risk managementIn this paper,we have the research of personal consumption credit risk management,we think that the personal consumption credit business of X bank Xiamen branch has internal and external risk management problems,including emphasis on data application data while ignoring data control;Decentralized system management,lack of consistency;The incentive restraint mechanism needs to be further strengthened;Social credit system and the legal system are not sound;Problems such as insufficient government supervision and effectiveness.Based on the existing framework and in combination with the practical situation of X bank Xiamen branch,the hierarchical analysis multilevel fuzzy comprehensive evaluation model is built,so as to inspect the credit rating with model and specific cases,the results confirmed that the model can be used in the pre-loan risk assessment of commercial bank.