Research On Risk Management Of Personal Credit Business In Bank Of Weifang

Personal credit business is one of the most important businesses in modern commercial banks.Many banks pursue innovation on personal credit products every year to meet the increasing demand for credit.In our current financial order is good and the economic and social development environment is improving the personal credit business today,both in the number of customers or in transactions and other aspects have greatly promoted the development of commercial banks and other types of financial institutions,but we should realize that in developing personal credit business in the process of commercial banks.There are still many risks in the business model,credit evaluation,return of funds management,laws and regulations,collateral selection etc.there are still many loopholes or lack of management and system.How to strengthen the quality of the internal structure,commercial bank credit risk management,effectively prevent and respond to possible have become a commercial bank management,academic circles and even customer focus problem.At present,China's commercial banks personal credit business is developing rapidly and facing risks,showing new features,the Bank of Weifang is selected as the research object,studied the risk management of personal credit business,the main research contents include: firstly,this paper summarizes the research progress in the personal credit risk of domestic and foreign scholars,the concept of with the characteristics of combing the personal credit risk,expounds the theoretical basis of personal credit risk.Secondly,this paper introduces the personal credit business and risk management process of Bank of Weifang,uses questionnaire method to identify and analyze the risk of personal credit business of Bank of Weifang,and optimizes the risk factors of initial identification with the help of expert scoring and analytic hierarchy process,and establishes a risk identification list.Thirdly,the fuzzy comprehensive evaluation method based on analytic hierarchy process(AHP)is used to evaluate the risk of Bank of Weifang's personal credit business,and the fuzzy comprehensive evaluation index system is constructed,and the weights of each index are calculated.The fuzzy results show that the business risk is low.At the end of this paper,the personal credit business risk of Bank of Weifang is sorted according to the comprehensive weight,and the countermeasures are put forward according to the preload index.In the pre loanrisk,the other party should conscientiously carry out the pre loan investigation,evaluate the borrower's repayment ability scientifically,pay attention to the loan qualification examination,and should be the risk of the loan in the loan.In the face of post loan risk,we should set up an early warning mechanism for risk management of individual credit business,improve the system of personal credit business risk accountability,and set up post delivery management and collection team.