Research On Risk Management Of Commercial Bank Personal Credit Business Based On Analysis Of Transaction Behavior

Commercial banks are fundamentally risky.Although the form and function of banks continue to evolve,providing risk management services to customers has always been a core function of banks and has been continuously strengthened with financial innovation.As the core business of the bank,the credit business has always been the focus of credit risk management,and the personal credit business is not only closely related to the development of commercial banks,but also inextricably linked with consumers.This paper selects the personal credit business of commercial banks as the research object,and takes the risk identification,assessment and control in risk management as the entry point.On the basis of analyzing personal credit products,customers,processes,etc.,it selects three dimension--borrowers,lenders and intermediaries.In the transaction behavior of the dimension,the characteristics of the normal business scenario are summarized,and the analysis is carried out from the abnormal flow of credit funds,the abnormal concentration of repayment sources,and the suspicious operation of credit practitioners.Risk of borrowers,lenders and intermediaries are identified.On the basis of summarizing the characteristics of abnormal behavior,the paper proposes the method of extracting data according to rules and characteristics,and establishing a risk assessment method for the model.Based on this,the countermeasures for risk prevention and control of commercial bank personal credit business are put forward.