Research On Personal Credit Reporting Management Of Jining Branch Of ICBC

As the financial subject of our country,commercial banks are closely related to individuals.With the continuous development of socialist market economy,the types of loan business of commercial banks are more and more.Individual customers have also become the main target of credit business of commercial banks.At the same time,personal credit risk has become one of the focuses of commercial banks.In order to reduce and prevent credit risk,commercial banks in China have taken a number of risk prevention and management measures,but this has not fundamentally eliminated the credit risk of commercial banks.Fraud,forgery,blackmail and other dishonest practices are widespread.In order to deeply understand the problems existing in the personal credit management of ICBC,this paper combines with many years' practical work experience,the actual situation of personal credit management of Jining Branch of ICBC,and the relevant cases of the branch,to analyze the deficiencies of the current bank credit management system:imperfect personal credit system Incomplete handling of objections,unreasonable personal credit evaluation system,imperfect laws and regulations,and lack of social credit awareness,etc.Aiming at these problems,based on transaction cost theory,Personal credit theory and information asymmetry theory,this paper puts forward corresponding countermeasures:improving the personal credit information system of commercial banks;standardizing the handling of objections,optimizing the processing procedures;strengthening information collection management,expanding information sources;and establishing a scientific and unified individual of commercial banks.Credit evaluation system;strengthen the education and training of credit management personnel;improve the construction of laws and regulations for personal credit investigation;strengthen the governance of credit environment,through the above measures to optimize the personal credit environment of commercial banks,strengthen credit management,improve the authenticity of personal credit information,expand the sources of information,and promote the health of commercial banks.Development.This is of great significance to the smooth development of personal credit management of commercial banks in the future.