Research On Personal Credit Investigation Management Of JinPU New District Branch Of JinZhou Bank

To the development of personal credit in China began in the early stage of reform,in the ninety s,the development of domestic economy,domestic demand is insufficient,in this case,the commercial banks and large quantity,long time to develop personal credit business,in order to better able to make the business go smoothly,countries began to study decided to focus on development of personal credit system.Now,the personal credit system has had the initial development in China.Personal credit is the foundation of economy and plays an important role in the rapid development of financial system.At the same time,for the order of market economy to develop stably,the system must be well protected.However,due to the influence of customer’s own credit,commercial banks are facing the increase of bad debt rate and financial risk.If not controlled in time,it will bring huge economic losses to the banks,and at the same time,it will have a harmful impact on the future survival and development of the banks.Therefore,to improve the personal credit management system of commercial banks and enhance the understanding of their customers’ credit status can not only reduce the transaction cost of commercial banks,but also regulate the transaction order of commercial banks.This paper will be based on data reference and research literature at home and abroad,with Dalian Jinzhou bank of Jin Pu New Distinguish between conduct the research object,by adopting the combination of theoretical research and applied research methods,using literature analysis,comparative analysis,analytic hierarchy process(ahp),and on the basis of the theory of information asymmetry and transaction cost,etc.The paper mainly introduces the background and significance of the topic selection,the status quo here and abroad as well as the research ideas,technical routes and research methods.Next,I will briefly introduce the concept of personal credit investigation related to the topic and explain the concept of the collection and management theory.Then,according to the bank selected in this paper,Jinzhou bank of Jin Pu New District branch credit investigation management status quo and the existing problems to do a detailed analysis,find out the cause of the problem,and in chapter four and chapter five to implement effective improvement strategy and guarantee measures for credit investigation management problems.And then at the end of this paper to draw relevant research conclusions.