Research On Risk Management Of Personal Credit Business Of Industrial And Commercial Bank Of China Inner Mongolia Branch

Developing personal credit is very important,particularly in the period of civil economic development,developing personal credit services could improve the living standards and quality of life,and also play very important role in promoting consumption,increasing inner demand,supporting the whole national economy continued rapid development,restructing of the commercial bank credit structure and improving the quality of credit assets.In recent years,Industrial and commercial bank of china branch opens in inner mongolia under the guidance of headquarters to perform transactions on the restructuring and actively implementing the strategy and business transformation,has maked the development of personal as off the business capital constraint and increase the profitability of the mail measure。Although the personal property business is being developed rapidly,the asset quality is good,but business species such as providing student loans wastage rate is high,especially in the current economic situation of the assets of the risks are also should not be ignored。Therefore,learn from the experience of foreign banks personal credit risk management,actively build for the individual assets of the development of risk management pattern is a areal issues that branch of the inner mongolia face up to。This paper make use of theory related personal credit risk management。first analyze the individual credit and credit risk of the meaning,the risk of the causes from the borrower,a developer,the bank itself,and mortgage loan contract and credit,law,fluidity,eight aspects to it,then learn from the USA,Japan,Hong kong these three countries and areas of commercial banks personal credit risk management experience,The primary study of the representative of risk management,for example of Wachovia Corporation and Hana bank,and mode for commercial banks personal credit risk management situation and studying the situation in the industrial and commercial bank of china and mongolia branch personal credit risk management was analysed and made improvement suggestions and countermeasures to safeguard personal credit sustained healthy development。in order to efficiently manage risk,Inner mongolia branch must enhance the research and policy as soon as possible to establish and improve credit system,the promotion of personal risk management and increase personal credit in a comprehensive quality and ability,a good credit risk prevention system and illustrate just and developing low risk groups,clients to improve the internal mechanisms to strengthen early-warning and ratings,personal loans for individual credit assets management mbs so ten effective measures.