Research On The Optimization Of Risk Management Of Individual Loan Business Of ABC Changsha Yuhua Branch

With the development of social economy,people’s demand for credit assets is becoming more and more diversified,which makes the personal credit business expand from the original car purchase and housing loan to production,multi-purpose consumption and other fields.Different from enterprises,the loan amount of personal credit business is relatively small,the group size is relat ively large,the customers are more dispersed and more conducive to the control of credit risk.Therefore,the stable development of personal credit can improve the quality of credit and obtain stable income,making the implementation of stable operation a nd rapid development more meaningful.Based on the theory of personal credit and risk management and the development status of individual loan business of the branch of the Bank of Agriculture in Yuhua District of Changsha,this paper adopts the research m ethods of case analysis,literature research,summary and induction.Following the systematic study,it is found that the risk management of individual loan business of the branch of the Bank of Agriculture in Yuhua District of Changsha is not well aware of risk management compliance and the pre-loan investigation is not thorough.According to the main objectives and principles of individual loan risk management of Agricultural Bank of Changsha Yuhua District Branch of Changsha,this paper optimizes the exi sting problems of individual loan risk management from five aspects: bank personal credit business responsibility system,pre-loan,in-loan,after-loan and risk quantification.Finally,from five aspects of risk awareness education,organizational structur e,institutional process,human resources and information technology,the corresponding measures to ensure the implementation of individual loan risk management in Changsha Yuhua Branch of Agricultural Bank of China are put forward.This study provides theoretical and practical basis for the realization of compliance and steady development of personal loan business of Agricultural Bank of Changsha Yuhua District Branch,effectively avoiding and preventing risks of personal loan business,and also has certain reference value for risk management of personal loan business of other state-owned commercial banks.