| In recent years,with the rapid development of China's economy,the per capita income of residents has gradually increased.The development and application of the Internet and the penetration of the express delivery industry in life have changed residents' consumption concepts and consumption patterns.While pursuing more diversified and deeper consumer demands,it also promotes the rapid development of Banks' personal loan business.Commercial Banks' effective control of asset quality has become the focus of risk management of various Banks on the premise of increasing the cost of collecting and storing assets.As a secondary institution of a state-owned commercial bank,the X branch of bank Z also faces the problem of risk management in the process of the rapid growth of personal loan business.In an increasingly competitive market,effectively controlling the risks of personal loan business of Z bank can make Z bank X branch in an advantageous position in the market competition and improve the profitability of Z bank.This article through to Z bank X branch personal loan business process and the analysis of the risk control process,according to the logical order of strategy-staff-process summed up the X branch problems existing in the risk management of personal loan business: lending strategy and performance appraisal system is not reasonable sales team personnel overall quality unsatisfactory business operation process incomplete problem in lending strategy and analysis the problems of performance appraisal system in put forward: Z bank X branch business development trend of high yield loan products,and part of the products in the design mechanism is not reasonable performance appraisal system is not scientific On the analysis of the sales staff sales team personnel overall quality,based on a line of work actual Outlines a line sales personnel quality is good and bad are intermingled,bank staff violations,and the forced sale products may cause compliance risk and reputation risk in the business operation process problem analysis,combined with work experience and a line from the former loan credit loans after each link the problems one by one in this,mainly including credit information is not comprehensive to verify credit check approval link to guarantee the implementation of the inadequate credit problems after feedback and management is not active.In view of the problems existing in the personal loan business of Z bank X branch,this paper puts forward six Suggestions: first,Banks should strengthen the innovation of personal loan products to meet the differentiated needs;At the same time,the performance appraisal mechanism,the responsibility attribution mechanism and the supplementary risk margin system are reformed to improve the assessment of account managers.While encouraging the account managers to improve their performance,they also continuously improve their professional quality,reduce the defective rate of assets,and add luster to their career.Thirdly,we should pay attention to the problems such as random charges and tie-in products in the marketing process,so as to improve customer satisfaction and experience,and avoid the adverse impact on the bank's reputation risk.In addition,we can learn from the advanced experience of other Banks to improve our personal loan approval process.Meanwhile,due to the heavy proportion of personal housing loan in personal loan business,I focus on the risk aversion of real estate developers in my daily work.Finally,in the modern society with the continuous development of technology,we must strengthen the cooperation with Internet companies to improve the level of fintech.Through the research and analysis of a large number of works related to the risk management of personal loan business and the research on the risk management of personal loan business of X branch of Z bank in combination with my own work,this paper is more targeted and feasible,which has a high reference significance for the risk management of personal loan business of other Banks... |
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