Research On Risk Management Of Personal Loans Credit Business Of Jinshang Bank

Commercial bank personal credit business is associated with the economic developme nt of our country urbanization construction,housing reform,and it produced and developed with the increase of consumer demand,on the one hand,better meet the demand of the res idents of the growing consumer credit,on the other hand also effectively support the nation al policy to expand domestic demand,while promoting and leading the development of ban king business itself.However,commercial Banks are faced with a large number of retail cu stomers and a wide range of credit levels,and the risks of personal credit business are incre asingly prominent.As a local commercial bank,Jinshang Bank faces increasing risk manag ement pressure at the same time of the rapid development of its personal loan business suc h as housing loan,auto loan and comprehensive consumer loan.Based on the theory of credit and risk management theory as the instruction,using lite rature study,field survey and quantitative analysis methods,such as the comprehensive co mbing jin merchants bank personal credit business situation and personal credit business cr edit risk,operational risk,inflation risk and market risk,on the basis of discussion of jin m erchants bank personal credit risk management system,management process,management measures and risk control system arrangement,deeply and systematically studied the risk management system and risk management technology,risk management measures,the risk management process and the main problems of consumer finance application,found that a lthough there is a corresponding jin merchants bank Risk management system arrangement,but generally there are lack of operating standards,the definition of rights and responsibili ties of confusion,backward technology,insufficient personnel and in the face of new finan cial technology and other problems,objectively restrict the bank's ability to control t he risk of personal credit business.On the basis of in-depth analysis of the reasons,this pap er puts forward to improve the internal management system,strengthen the management of talent team,improve the risk control technology,optimize the risk management process of individual credit and attach importance to the application of consumer finance,so as to pro vide reference for jinshang Bank to effectively control the risk of individual credit business...