Research On Risk Management Of Personal Loan Business Of Changsha Bank

With the rapid development of social economy,it effectively promotes the development of financial industry,especially creates a good environment for commercial banks.With the increase of income and consumption level,the demand for credit assets is becoming more and more intense and diversified.Many commercial banks have added credit business to this,among which there are various types of personal loan business,involving purchase of houses,purchase of cars,investment,production and operation,etc.Personal loan business presents the characteristics of small loan amount,scattered customers,large scale and scattered credit risk.Personal loan business not only prospers the financial industry,but also increases the operating benefits for commercial banks.Therefore,comprehensively promoting the development of personal loan business will help improve the credit quality,create benefits for commercial banks and achieve the development goal of stable operation of commercial banks.At present,the personal loan business of domestic commercial banks is in a rapid development stage,many links are not systematic and mature,exposing many problems,such as misappropriation of funds,overdue and default.The risk management of domestic personal loan business is relatively lack of excellent management methods and rich experience,and has not yet established an independent and complete risk management system.This paper mainly takes Changsha Bank as the research object and discusses the risk management of personal loan business.Changsha Bank has developed for more than 20 years to provide financial services for local social and economic development.The personal loan business has achieved good results,the asset quality has remained good,the business scale has expanded in an all-round way,and the market competitiveness has continuously improved.However,from the perspective of long-term development,the proportion of assets in Changsha Bank's personal loan business is still relatively low and has great development potential.Faced with fierce market competition and threats from various risk issues,how to develop Changsha Bank's personal loan business and how to carry out risk management are issues that need to be focused on in future development.This paper mainly studies and analyzes the risk management of personal loan business of Changsha Bank by combining theory with practice,mainly including five parts: First,it expounds the research background,significance and purpose of risk management of personal loan business,and sorts out and summarizes the relevant literature of risk management of domestic and foreign commercial banks,as well as expounds the research contents and methods.Secondly,the concept of riskmanagement of personal loan business,including personal loan business,personal loan business risk and personal loan business risk management,is expounded,and the related theories of risk management of personal loan business are discussed.Third,it mainly analyzes the current situation,risk performance and idioms of Changsha Bank's personal loan business,and illustrates the non-performing loan rate,nonperforming loan structure and disposal of non-performing loans through data.Fourth,it summarizes the organizational structure and mode of risk management of personal loan business of Changsha Bank,and discusses the risk management of Changsha Bank by comparing the risk management modes of personal loan business of domestic and foreign commercial banks.Fifth,it puts forward improvement measures for risk management of personal loan business of Changsha Bank,and optimizes and improves the risk management system construction,risk management control process and risk management control methods,so as to provide suggestions for the development of personal loan business of Changsha Bank and provide reference for risk management of personal loan business of domestic commercial banks.