Research On Credit Risk Management Of Personal Consumption Loan In Bank S Branch Y

The continuous improvement of the national quality life has led to the consumption idea change in recent years.People have gradually become accustomed to the pattern of pre-expenditure.Personal consumption loan business has become a crucial part in the commercial bank credit products,and the scale of loan business is expanding at an alarming rate.However,the personal consumption finance started late and the standardized credit management and legal system is still lacked.As the traditional commercial banks are being impacted by the Internet financial enterprises,and they are facing with many hidden challenges and risks,the development of the personal consumption loan business in the traditional commercial banks is with certain doubtfulness.So it is of great significance for the future development of commercial banks to establish a sound and perfect credit risk management regarding of the personal consumption loan.This paper,taking Y Branch of S Bank as the research example,systematically analyzes the eight internal control elements of the credit risk management over the personal consumption loan of Y Branch of S Bank through COSO enterprise risk management framework theory,and the PEST external macro-environment analysis model is prominently adopted to identity the external operation risks of Y Branch of S Bank.Through the personal interview and questionnaire method carried out within the Y Branch of S Bank,the problems in the process of credit risk management process are identified,and an optimization plan is proposed for each problems raised aforesaid,which would have a positive driving force for the credit risk management over the personal consumption loan of Y Branch of S Bank.It is also conducive to the control of Y Branch of S Bank over the asset quality of the personal consumption loan,and further the creation over the value of controlling the credit risks is realized,which would provide a practical reference for the credit risk management over the personal consumption loan within the industry.Furthermore,the universality of COSO enterprise risk management framework theory is inspected.