Research On Risk Evaluation Of Personal Loan Business Of M Bank C Sub-branch

Since the reform and opening up,China’s economy has entered a period of rapid development,the national income is constantly increasing,the personal consumer market is also showing a booming scene,and the business of personal credit and consumer credit is constantly increasing.This not only ushered in new opportunities for the development of commercial banks,but also made commercial banks encounter new challenges in risk management.Because the consumption characteristics of personal consumption are different from those of enterprise organizations,the way of enterprise credit risk assessment in previous research is not suitable in personal loan credit.Therefore,this study will choose the C branch of M Bank as the research object,analyze the risk management of its personal loan business,and carry out further research on the risk assessment of the bank’s personal loan business.The C branch of M Bank,which is located in Longgang District of Shenzhen City,is a commercial bank branch that actively performs its social responsibility,giving full play to the pivotal role and indirect influence of the banking industry in the allocation of social resources.Taking "wholeheartedly providing the highest quality financial services for the public and enterprises and institutions" as the service tenet,we have created high-quality products such as wealth accounts,all-in-one card,telephone banking,online banking and so on.Provide customers with deposit,loan,settlement business,bill discount and other business.In order to compete for more interests in the personal loan business market,C branch has been committed to the development and investment of personal loan business.However,it often runs into a brick wall in the process of business development.Through the on-the-spot investigation of C branch and consulting a large number of documents on loan business risk management at home and abroad,this paper studies the risk management scheme of personal loan business of M Bank C branch.It is found that C branch is in the process of personal loan business.There are some problems,such as weak risk management consciousness of personal credit customer managers,imperfect risk management system,backward management methods and lack of social credit foundation,and encounter many types of risks,such as credit risk,operational risk,legal risk and so on.as a result,the development of personal loan business is affected and restricted,based on the analysis of the risk management of individual loan business in the C branch of M Bank.The questionnaire method is used to identify the risk of the personal credit business of the branch,and collate and study it.According to the expert scoring method and the analytic hierarchy process to sort out the risk factors,a relatively complete risk identification list is constructed.In addition,this study evaluates the personal credit business risk of the branch through the fuzzy comprehensive evaluation method of Analytic hierarchy process,constructs a fuzzy comprehensive evaluation index system,and calculates the weight values of all indexes.it is sorted according to the comprehensive weight.Based on the above research on the risk assessment of the C branch of M Bank,finally,this paper puts forward four countermeasures and suggestions: perfecting the environmental risk management of personal loan business,strengthening the examination and management of personal loan borrowers,perfecting the internal management mechanism of C branch of M Bank and using laws to build barriers for risk prevention..