Research On Risk Management Of Personal Loan Business Of Ningbo Bank A Branch

For a long time,the commercial banks of our country are the traditional extensive management mode,which the space of the spread between deposit and loan is large,so this causes the current situation of the excessive pursuit for deposit and loan scale.On the contrary,banks pay little attention to risk management.With the integration of the global market economy,the domestic and foreign financial market turns farther opening,more and more commercial banks are managing across regions.Furthermore,the competition of the whole banking industry is becoming more and more intense,thus many banks have transition into retail banks.A foreign research shows that China retail revenue will reach 1.5 trillion Yuan by 2020,and the proportion of individual banking business is increasing.In order to dealing with the increased risk brought about by the rapid development of personal loan business,It is imperative to further strengthen the risk management of personal loan business.In China,personal loan business started relatively late,and there was no mature reference model.Although early domestic experts and scholars spent a lot of energy for personal loan business risk management advice,but for a variety of reasons,there are still a lot of unsatisfactory aspects.The main research object of this paper is the case of personal loan risk management in Suzhou A branch of Ningbo Bank.On the basis of continuous research on advanced scientific methods abroad,this paper analyzes the basic situation of Ningbo Bank A Branch and the main risks of individual loan business.Moreover,this paper analyzes the current operation and management of branch A,and makes a comprehensive evaluation as well.By identifying the problems existing in loan of Ningbo Bank A Branch,we find out the cause of the problem.Finally,we offer many strategic proposals with strong maneuverability and practicability.The present situation and problems of Ningbo Bank A Branch should be a projection of the whole commercial bank.It is of practical significance for promoting banks to establish personal loan risk management system and build a commercial bank with international competitiveness.