Research On The Risk Management Of Personal Credit Business In Nanning Branch Of Z Bank

In recent years,the rapid development of China's social economy and the strong consumer demand of residents have promoted the development of personal credit business of commercial banks,which has become an increasingly important development plate of commercial banks.Based on the complex risks of personal credit business,this paper analyzes the risk management of personal credit business from the perspective of commercial banks,and discusses the risk management countermeasures of personal credit business of banks.Based on the research object of Nanning Branch of bank Z,this paper expounds the current situation of risk management of personal credit business in Nanning Branch of bank Z,and diagnoses the existing problems of risk management in internal operation from all levels,such as the imperfection of customer credit evaluation system,the lack of flexibility of risk strategy,the imperfection of risk management mechanism,the inadequacy of risk management practitioners' management level,etc.,which is Nanning Branch of bank Z There are four main reasons for the existing problems in the personal credit business risk management of the branch,and the causes of the existing problems in the current risk management are analyzed.Based on the study of the classification of risk indicators of personal credit business of commercial banks in academic circles at home and abroad,combined with the actual situation of personal credit business of Nanning Branch of bank Z,this paper constructs a risk assessment model of personal credit business of the branch,and uses regression analysis method to find out the main risk management impact indicators including marital status,income,enterprise nature,etc.Based on the above analysis,this paper constructs the risk management countermeasure system of personal credit business in Nanning Branch of bank z from four aspects: improving customer credit evaluation control system,improving risk management mechanism,optimizing risk management process and improving risk management level.