Research On Risk Management Of Personal Loan Business Of Huaxia Bank Taiyuan Branch

Commercial banks generally launch a variety of different characteristics and content of the credit business,and from the current business development,the proportion of individual credit business in the total amount of business is increasing,and the contribution rate of personal credit business to bank profits is also increasing.With the continuous development of personal credit business,on the one hand,the profit margins of banks have been expanded,and on the other hand,new credit risks have also been brought.Therefore,for the current commercial banks,it is necessary to understand the present situation of the development of individual credit business accurately,seize the valuable opportunity for the rapid development of individual credit business,and take effective measures to control the risk of personal credit business,so as to realize the benign development of the business.In this paper,makes a comprehensive analysis of the personal loan business of commercial banks.In the early theoretical analysis part,it mainly explains what the personal loan business is,what is the personal loan business,what types of personal loan business of China's commercial banks have introduced,and then summarizes the risk prevention and control of personal loan business.Some related theories,including the information asymmetry theory,the credit fragility theory,the expected income theory,and so on.analyses the risk management status of the personal loan business of the Taiyuan branch of Huaxia Bank,based on the three links of the pre loan,the loan and the loan of the personal loan business,and the wind of each link.In the third part of this article,the third part of this paper is to make suggestions on how to prevent and control personal loan business risks better in the third part of this paper,which is also the same as the Taiyuan branch of Huaxia Bank.The first is three aspects of pre loan,loan and loan.The first is to divide the personal loan business into different types,calculate and analyzethe risk of each type of business,use large data technology to locate the customer accurately,make a more thorough investigation on the loan applicants;second,through the construction of the risk assessment of the individual loan business.The model realizes the accurate analysis of the risk,strictly verifying the loan mortgage,and the corresponding management strategy in the different links of the business process.Third,the loan business verification must be standardized,and the management of the loan is strictly after the loan.The last part of the paper is the safeguard measures for risk prevention and control of personal loan business in Taiyuan branch of China bank,which is summarized in three aspects.to pay attention to the risk prevention and control of personal loan business in thought;to clarify the responsibility of individual loan business risk prevention and control,the number of individual loan business.According to strict management,we should also make full use of information value and make full use of information value.The research in this paper will help to provide more reference for Huaxia Bank Taiyuan branch to develop personal loan business more safely.