The Research On LC Bank Personal Business Loan Risk Management

In recent years,the personal business loan business has been favored by many commercial banks.The continuous promotion of this business across the region has not only increased bank profits but also promoted the development of the local economy.At present,all major commercial banks have started their personal business loans business and have gradually become the source of new revenue for commercial banks.All commercial banks are vying to develop this business,and the competition among them is becoming increasingly fierce.The problems in the risk management system are also becoming more and more obvious.In addition,personal business loan business is different from other types of loans,has its own characteristics:in the use,personal business loans are mainly targeted at the individual operators.The use of loans is difficult to determine,leading to a relatively high risk of personal business lending operations.Based on the above two aspects,it is necessary to conduct research on the risk management of personal business loans.This paper,taking LC Bank as an example,firstly describes the general situation of LC Bank's personal business loan business in terms of overall scale,type and structure,non-performing loans and so on,and then summarizes the current status of LC Bank's personal business loan risk management system.Secondly,the paper analyzes and explains the problems existing in LC Bank's personal business risk management system by using specific cases.Finally,some countermeasures are put forward to optimize the risk management system of personal bank loans in LC banks.Through the research in this article,we can not only study the risk management problems of commercial banks' personal business loans in depth,but also broaden the theory of individual business loans to provide theoretical basis for the risk management of LC Bank's personal business loan business.The bank's personal business lending business has achieved long-term and steady development.