Study On The Application Of Personal Loan System Of S City Rural Commercial Bank

In recent years,the retail loan business has received more and more attention from various banks.Many financial institutions regard the retail loan business as the focus of future development,and regard the retail loan business as their very important profit growth point,but due to the small loan amount and risk guarantee system.The risk of retail loans has remained high due to a series of reasons such as imperfections,resulting in a rising non-performing loan ratio.Therefore,while continuously developing rural credit business,it is also necessary to strengthen the management and control of credit business,and thus continue to promote the healthy development of rural credit business.The emergence of the personal loan system provides new ideas for solving this problem.On the basis of reviewing the literature on bank credit risk,this paper takes the construction of the personal loan system of rural commercial banks in S city of A province as an example,analyzes a series of problems faced by bank credit before the construction of the loan system,and reviews the motivations and systems of system construction,and the functions and characteristics of system,especially the analysis of the qualitative and quantitative effects of the system after the pilot operation,as well as the comprehensive promotion of problems and improvements.The research results show that the construction of personal loans of S City Rural Commercial Bank has effectively reversed the problems that have occurred before and achieved good results:the number of retail loan users has increased,the non-performing loan rate has gradually decreased,the quality of data collection has improved,the efficiency of loan processing has improved,and the risk control capabilities has Enhanced.This provides a good example and reference for the development of the rural commercial bank's personal loan system,effectively strengthening the credit risk management of rural commercial banks.