Research On Risk Management Of Personal Consumption Credit Business In X Branch Of Postal Savings Bank

This year marks the 40 th anniversary of China's reform and opening-up.China has undergone tremendous changes,ranging from economic aggregate to people's living standards,from material wealth and diversity to science and technology catching up with developed countries,and from single financial industry to international finance.Per capita disposable income has reached 10,000 yuan,and the consumer market has become increasingly mature.People's growing material demand has put high requirements on consumption and finance in the consumer market.At the same time,the rapid development of personal consumption credit business puts forward higher requirements for personal consumption credit management,especially the safety prevention and control of personal consumption credit management and risk identification.Taking the risk management of personal consumer credit business of X Branch of Postal Savings Bank as a sample,this paper constructed the research logic route of credit risk identification,evaluation and control for the credit management problems existing in the internal operation.In this paper,the concept of personal consumption credit business and credit risk is briefly defined,and the causes of personal consumption credit are analyzed from the theoretical level.It is concluded that the identification and control of credit risk is the main cause of personal consumption credit risk.Based on the study of the risk reason and identification of personal consumption credit business of Postal Savings Bank,this paper proposes to construct the risk identification and evaluation mechanism of personal consumption credit business with characteristics of Postal Savings Bank.Based on the above analysis,the prevention and control management system of personal consumption credit business in line with the actual situation of Postal Savings X Branch is comprehensively constructed,and effective Suggestions are proposed for the construction of efficient and safe personal consumption credit business prevention and control system of Postal Savings Bank.