Research On Risk Management Of Personal Loan Business Of Taizhou Construction Bank

Since the reform and opening up,China's economic and social development has been developing rapidly,and the openness of financial market has been increasing.The specific measures such as interest rate marketization reform have effectively promoted the innovation and development of financial businesses.At the same time,we also need to see clearly that our domestic banks' profit way is relatively simple compared with some foreign countries'financial market development characteristics.Banks still take spreads as the mam source of income.Limited to the issue of interest rate of deposit and loan interest,banks have high enthusiasm in promoting credit business,especially personal loan business.With the expansion of scale of loan business such as housing loan and consumption loan,bank performance continues to increase.At the same time,banks will also face more risks,how to effectively improve their performance and control risk as a practical problem that banks need to take into account.As the main business of the bank,the personal loan business analyzes the risk of the individual loan business,which is beneficial to the overall risk control and prevention of the bank.The case study is carried out in this study.Through the effective combination of theory and practice,we get the expected research results.The research results have certain reference and application.This research mainly draws on a large number of domestic and foreign risk prevention management experience,and conducts risk management research on personal credit business conducted by TaiZhou Construction Bank.