Research On Personal Credit Risk Control Of Nanchang Branch Of Industrial Bank Co.Ltd

With the passage of time,our government has paid more and more attention to the development of personal credit business,and issued a series of policies,commercial banks have vigorously promote the personal credit business.The rapid development of personal credit business has brought a large number of basic customer groups and comprehensive marketing opportunities for commercial banks,but in the process of continuous development and growth also exposed many problems,the possibility of risk also increased,and once these credit risks occur,not only will cause economic losses to commercial banks,but also will seriously affect the reputation of commercial banks.Therefore,it is an urgent problem for commercial banks to control the personal credit risk.This paper selects the personal credit business of Nanchang branch of industrial bank as the research object,analyzes the actual development of personal credit business of Nanchang branch of industrial bank at present,and finds that the personal credit business of Nanchang branch of industrial bank has the characteristics of rapid expansion of business scale,increasing number of personal customers and decreasing rate of personal credit assets.Secondly,according to the industrial bank Nanchang branch in the development of personal credit business problems exposed and the risks faced by in-depth analysis and research found that industrial bank Nanchang branch is facing risks mainly from partners,borrowers and their own management.At the same time,the Nanchang branch of industrial bank has not yet established a perfect risk control mechanism for personal credit business.in the risk management of personal credit business,there are mainly problems of risk control mechanism,lack of forward-looking credit layout,unclear customer access,ineffective implementation of due diligence requirements,weak post-credit management and ineffective credit review to control the real risk.Finally,in view of the risk management problems existing in personal credit business of Nanchang branch of industrial bank,this paper puts forward the risk control measures of personal credit business of Nanchang branch of industrial bank from the aspects of clarifying the risk management mechanism of personal credit business to divide the responsibilities of each post,strengthening credit guidance of personal credit business,strict accountability mechanism,strengthening executivepower,constructing dynamic management mechanism with cooperative institutions,and optimizing the internal innovation and assessment mechanism of personal credit business.The research results enrich the risk management theory of commercial banks to some extent.In practice,it is beneficial to reduce the risk of personal credit business of Nanchang branch of industrial bank,and the relevant strategies and suggestions have certain reference significance for the risk control of commercial banks.