LM Bank Personal Credit Business Risk Analysis And Risk Control Strategy

As an important part of the socialist market economy,the current financial system plays an irreplaceable role in serving China's real economy.With the continuous transformation of the economic development model,the retailing degree of China's commercial banking business continues to deepen,and personal credit business has become an important part of bank development.LM Bank is a joint-stock city bank.With the growth of local economy,LM Bank has gradually grown into a competitive local listed bank.In recent years,LM Bank has continuously optimized its own credit business structure and continuously transformed its business strategy according to changes in market conditions.Its personal credit business has gradually become a new growth point of its own profits;while LM Bank has continued to expand its personal credit business,risks It has also been continuously highlighted that the risk control capability has gradually become a key constraint for the expansion of business scale.Therefore,on the basis of summarizing the research literature on the risk management of personal credit business of domestic and foreign commercial banks,this paper believes that LM Bank needs to strengthen its own risk control of personal credit business,so as to lay a good foundation for sustainable development.The thesis is divided into six chapters: The first chapter is an introduction,which introduces the research background and significance,combs the relevant research literature at home and abroad,and explains the research ideas and methods of the article.The second chapter is the theoretical basis analysis,which summarizes the relevant theories of commercial bank personal credit business risk management.The third chapter is the current status and risk analysis of LM Bank's personal credit business.Based on the chart,it analyzes the scale,structure and business risk of LM Bank's personal credit business.There has been a decline,the amount of special loans,subordinate loans,and loss loans have all risen,and the possibility of personal non-performing loans changing to loss loans is increasing;LM Bank 's personal credit business credit and guarantee loans accounted for On the upward trend,credit risk is increasing.The fourth chapter is the analysis of the risk control of LM Bank's personal credit business.According to the current status of LM Bank's personal credit business risk control,the current problems of risk control are put forward: the pre-loan investigation is not implemented in place,the midloan review management system is not perfect and the post-loan tracking There is a lack of early warning mechanisms;and it is further summarized that there are three reasons for the problem: the level of comprehensive quality of personal credit business employees is uneven,the construction of the personal credit business risk management and control system is not perfect,and the personal credit business risk management and control mechanism is not perfect.Chapter V proposes LM Bank's personal credit business risk control and improvement strategies from the aspects of strengthening human resources construction,perfecting personal credit business risk management system,perfecting internal risk management mechanism and strengthening key process risk monitoring.The sixth chapter is conclusions and prospects,summarizing the conclusions of the full text,and putting forward further prospects for future study and study.With the social and economic transformation,commercial banks are gradually transforming into personal credit business.In this critical period,China's commercial banks need to quickly change their management concepts,face up to the risk management issues that may arise during the transformation of personal credit business,and actively digest And the introduction of better experience and practices in domestic and foreign commercial banks in personal credit business risk management and control,as far as possible to minimize the risks that may be encountered.It is hoped that the research in this paper can provide reference for China's commercial banks to effectively control the risks of personal credit business.