Research On Personal Credit Loan Risk Management Of Bank Of Jiangsu,A Branch

Personal credit loan has been the new growth point of profit for commercial banks.The business of personal credit loan has been developed rapidly since 2016.It is necessary to improve the risk management of personal credit loan because of the characteristics of personal credit loan and the problems taken place during the fast development.Looking for the balance between risk control and business development as the research of personal credit loan is being undertaken.For finding out the regularity of overdue loan,it is proper to take the analysis of related statistics and pertaining description.Consolidate the risk control before the examination of any personal credit loan case.Take the research of disposal of overdue loan is to optimize the efficiency of disposal as the warning signal appears at once.The main contents of thesis is as the following:1.Take the research background of the management condition of Bank of Jiangsu,A Branch.The business of personal credit loan has been prosperous since 2016.The group of customers is enlarged and is being developed to the direction of various types of occupation.However,it is difficult to supervise the capital.Furthermore,the loan is out of mortgage and sometimes out of guarantee.The necessity of strengthening the risk management of personal credit loan is gradually apparent.2.Select the statistics of overdue personal credit loan more than 90 days between 2016 and 2017 from Bank of Jiangsu,A Branch.Make descriptive analysis for the sample statistics and especially pay attention to some key factors leading to violation of contract.Moreover,the model of Logistic is utilized for verification.3.Find out the merits and defects by the comparison of the management model between Bank of Jiangsu of A Branch and the counterpart.Preserve the advantages and eliminate the disadvantages for the management.4.Put forward better strategy for the risk management of personal credit loan for Bank of Jiangsu,A Branch.The strategy is formulated in the basis of the descriptive analysis of statistics and the comparison of different management models.The related strategy includes the construction of IT system,optimization of examination format,the professionalization for management after loan being attributed and the adjustment of idea for risk management.