Research On Credit Risk Management Of Personal Credit Business Of J Commercial Bank

With the continuous development of social economy,especially after the commercialization of housing,personal credit developed rapidly,at the same time,we can see that the total amount of non-performing loans of commercial banks personal credit is also increasing.Therefore,how to effectively reduce the credit risk of personal credit business is of great significance.This paper reads,analyzes and collates the information about risk management theory through literature method,comprehensively studies how commercial banks can effectively reduce credit risk,and concludes that the management method of comprehensive risk management is the most researched and effective method.Then this paper obtains the current management mechanism of J Bank's personal credit credit risk through observation method,and applies the comprehensive risk management theory to it.Through the systematic analysis method,J Bank's personal credit credit risk management process is clarified and divided into seven mechanisms,and then according to the theoretical guidance of comprehensive risk management,it is found that J Bank's existing credit risk management mechanism has problems such as unclear process,partial management function slack,management responsibility is not clear.Finally,this paper combines the comprehensive risk management theory with the actual management of J bank's personal credit credit,and produces the concrete measures of J Bank's personal credit credit risk management,and applies it to the actual,which has produced good results..