Research On The Risk Management Of Personal Credit Business Of XX Bank

With the continuous development of China's economy,the personal credit business of commercial Banks shows a good development trend.This not only promoted the expansion of the domestic consumer market,but also brought a significant increase in bank profits.However,it is worth noting that the risks contained in the personal credit business of commercial Banks are also increasing.In this situation,how to seize the good opportunity of the development of personal credit business and actively resolve the risks is one of the key problems that XX Bank urgently needs to solve,which is related to the healthy development of the personal credit business and even the whole financial industry of commercial Banks in China.This paper takes XX Bank as an example for the further research of personal credit business risk prevention and control,first through observation of the XX Bank personal credit business development present situation,then using the method of literature,the case method,individual interview method and the methods of quantitative analysis reveals the XX Bank personal credit business risk management in the management team,management mode and management system is still inadequate,for there is the problem of risk,risk prevention and control as well as the reasons behind the identification and analysis,to explore how to more effectively control and management of XX Bank personal credit business risk,and put forward corresponding Suggestions.According to the conclusion,credit risk,staff risk,market risk and interest rate risk are the main sources of loan risk in the process of XX Bank personal credit business.At the same time,the possibility of large expenditure caused by unexpected events,the monthly income level and the ratio of repayment amount to monthly income level of customers are the three most significant factors affecting the prevention and control of personal credit risk of XX Bank.Therefore,based on the induction of the above risk management issues,XX Bank can improve its risk prevention and control ability by strengthening the personal credit risk management team,improving the personal credit risk management model and improving the personal credit risk management system,etc.Based on the above countermeasures and Suggestions,the healthy development level of the personal credit business of XX Bank can be significantly improved.