Research On The Risk And Prevention And Control Of Individual Loan Business In F Branch Of G Bank

Since the 20th century,after China's accession to the WTO,China's economy has been opening up to the world,and the financial industry is facing rapid development and test,especially the banking industry is also facing opportunities and challenges.As the main asset business of commercial banks,credit is also the core of profits.In recent years,under the background of macroeconomic downturn,the non-performing loan rate of corporate credit business has remained high,and the personal loan business has become the growth point of stable profits of banks.Therefore,the risk prevention and control of personal loan business has become the top priority of bank profit growth.At present,due to the impact of economic downturn,personal loan business,including personal operating loans,accumulated loans,decoration loans,has shown a decline in varying degrees,only personal housing loans are rising.With the implementation of the monetization compensation policy of real estate de-inventory and shantytown renovation in China,the third and fourth-tier cities in the country have set off a wave of buying houses,invisibly constantly pushing up house prices and increasing house prices,making house prices remain high all the time,and the risk of personal loan business,mainly housing mortgage loans,has increased sharply.Although the non-performing rate of personal housing loan accounts for a very low proportion in personal loan business,it also requires us to prevent and control risks in advance.From the perspective of F Branch of G Bank in A County,this paper compares other banks in A County horizontally based on the analysis of the current situation of the bank's personal loan business,and makes an analysis from the aspects of bank policy,business process,risk prevention and control,etc.By finding out the problems existing in G Bank F Branch and combining the advanced risk prevention and control experience of domestic and foreign commercial banks,this paper puts forward corresponding risk management strategies for the existing risk prevention and control problems.This article mainly elaborates from five aspects.In the first part,the reasons for choosing the F branch behavior of G Bank are analyzed,and the advantages of risk prevention and control are highlighted by analyzing the innovations of the commercial bank.The second part introduces in detail the scope of G Bank F branch business and the causes of risk,and through the analysis of the importance of risk prevention and control to commercial banks,leads to the problems of risk prevention and control of GBank.The third part,from the borrower,cooperative organization,customer manager three aspects,at the same time,combined with the bank's internal control and prevention control system,the risk exposed problems are analyzed.The fourth part,through learning and drawing lessons from the experience of risk prevention and control of excellent commercial banks at home and abroad,takes its essence,discards its dregs,and adapts measures to local conditions,from which the inspiration is integrated into the risk prevention and control of G Bank F Branch.The fifth part,through the analysis of G Bank F Branch's own situation and industry,and learning from advanced experience at home and abroad,puts forward countermeasures and suggestions for risk prevention and control of personal loan business,so as to be able to develop well and rapidly in actual work.