Analysis Of Personal Loan Risk Management Of Y Commercial Bank In China

Commercial Banks in maintaining national economic security and national economy plays a very important role,it through savings,remittances,loans and other business,individuals or enterprises of idle deposits,and to make loans to the individuals or enterprises need money,to promote the economic development and social progress provides the reliable guarantee funds.In recent years,our country issued a series of policies to promote the development of personal credit business,personal credit demand increase greatly,the commercial bank personal credit business,qualitative changes have taken place in the business scale,this gives our country commercial bank personal credit business development,widen the channel of the commercial bank profits have laid a solid foundation.According to related statistics,as of the end of 2016,domestic commercial Banks assets total 181.7 trillion yuan,among them,the number of individual customers is about 909 million households,commercial bank personal credit business accounts for 77.8% financial institutions in our country personal credit business.Commercial bank personal credit products is relatively rich,the personal credit management system is safe,abundant customer resources,has high brand awareness and market recognition is higher,is the main provider of credit products.Returns and risk,however,is one of the integral whole,personal credit business in commercial bank profits at the same time,also will inevitably lead to the face of the threat of potential risks,how to implement effective management,whether for personal credit risk,it has become the important factors affecting the development of commercial bank personal credit business.In this paper,using the related theory as the theoretical guidance,in Y commercial Banks as the research object,research,analyze,Y personal loan risk management of commercial Banks,the purpose is to develop suitable for bank Y industry specific strategy of personal loan risk control.Y is joint-stock Banks,commercial Banks personal loans business mainly includes business loans,consumer loans and mortgages,personal credit as a source of Y important business of commercial bank,its business scale,the risk will be to enhance the core competitiveness of commercial Banks,Y commercial Banks profit target and the realization of the strategic development goal will be a decisive impact.This paper first introduces the research background,research status at home and abroad and the research method,etc.,and Outlines the development of our country commercial bank personal credit business and personal credit business risk management issues.Then,mainly reveals the Y personal credit risk of commercial Banks risk management organization structure unreasonable,the lack of professional personal credit risk research team,individuals do not have a high level of automation of credit risk management and personal credit risk review does not reach the designated position,and profoundly analyzed the causes of these problems.Finally,mainly from the unified of personal credit risk management measures,strengthen personal credit risk internal control,and establish and perfect the personal credit risk early warning mechanism,etc,put forward the corresponding improvement measures,to improve the risk management ability of commercial Banks,to reduce the Y commercial Banks face the threat of personal credit risk has a certain practical significance.