The Risk Evaluation Of Postal Savings Bank Of Qinhuangdao City Branch Retail Credit Business

In recent years,with the continuous deepening of the globalization of finance and economy,a series of innovations in financial theory and practice have made financial products and financial markets show an increasingly vigorous development trend.At the same time,the reform of the domestic banking industry has also accelerated,and the strategic fulcrum of banking reform and development has gradually shifted to retail credit business.Retail credit business has become one of the competing developments of the banking industry due to its high profits and economic capital savings.In order to diversify the bank's asset business,its strategic position has been continuously improved.However,compared with advanced western countries,China's retail credit business has a relatively short development time,unbalanced structural development,credit assets such as information asymmetry,imperfect risk assessment,poor post-lending management,and incomplete monitoring systems.Risk prevention is particularly important for retail credit business risks.The level of credit risk management directly affects the immediate interests of the enterprise.Based on the risk management theory,this article uses the case study of Postal Savings Bank Qinhuangdao Branch to explore the retail credit risk of the branch.The research contents are as follows:(1)The paper analyzes the concept and characteristics of the retail credit business and sorts out the post The basic overview of the retail credit business of the Qinhuangdao Branch of the Bank of China Reserve Bank;secondly,the current status of risk prevention and risk management of the retail credit business are elaborated;Based on the retail credit risk evaluation model of the Qinhuangdao branch of the Postal Savings Bank,the retail credit risk of the branch was evaluated,and the assessment result was that the risk was a high-grade cover;(3)The retail credit risk prevention of the Qinhuangdao branch of the Postal Savings Bank was proposed.Problems,including the lack of audit analysis of the borrower's financial situation,low credit risk prevention capabilities,and the need to improve the comprehensive quality of credit personnel;(4)put forward measures to prevent retail credit risks at the QinhuangdaoBranch of the Postal Savings Bank and handle them from the business Process,credit Several aspects of service management,quality of personnel and other credit risk prevention recommendations,thus avoiding the risk to the maximum extent.The research results of this paper have certain guiding significance for the risk prevention and business development of PSBC's retail credit business,and it can also serve as a reference for the risk prevention of retail credit business in the same industry.