Research On Personal Loan Business Risk Management Of China Agricultural Bank SJRC Branch

At present,great changes have taken place in the consumption concept of the domestic people,especially the rapid development of the domestic real estate industry and the continuous growth of the demand for personal loans in recent years,the scale of personal loans has continued to expand,and the non-performing loan ratio has also shown a significant upward trend.Based on the above situation,the China Banking and Insurance Regulatory Commission specially issued the "Notice on Strengthening the Prevention of Operational Risks",emphasizing that banks and other financial institutions should pay attention to risk prevention and control.Based on this,this paper takes the SJRC branch of Agricultural Bank of China as the research object,and conducts targeted research on the risk management of its personal loan business,so as to help the SJRC branch of the Agricultural Bank of China to improve the ability and level of personal loan business risk management.First of all,it introduces the relevant situation of personal loan business risk management,explains the purpose and significance of the research on personal loan business risk management in this paper,points out the methods and main contents of this research application,and systematically sorts out and summarizes the personal loans in my country and other countries.Research literature and data on business risk management as a basis for follow-up research.Secondly,it investigates the general situation of SJRC sub-branch of Agricultural Bank of China and the current situation of risk management of personal loan business,and based on this,it deeply explores the problems existing in the risk management of personal loan business and the root cause of the problem.Thirdly,based on the problems extracted from the previous article,a targeted risk management optimization plan is proposed,and the exploration of contradictions is regarded as the research focus,and then rational countermeasures for the bank’s credit risk management are made.Finally,it introduces the safeguard measures to improve the risk management mechanism of the bank’s personal loan business.Let the SJRC branch of the Agricultural Bank of China refer to the perfection of the risk management of personal loan business,and then implement relevant measures according to the actual situation of the bank.The research found that:(1)Agricultural Bank SJRC sub-branch has problems in the risk management of personal credit business,such as lack of professional risk management talents,inadequate risk identification and management,mere formality after lending,and lack of systematic and comprehensive risk management internal control mechanism.There are serious restrictions on the level and effect of the risk management of the personal credit business of the SJRC sub-branch of the Agricultural Bank of China,and it needs to be solved urgently;(2)After in-depth analysis of the risk management of the personal credit business of the SJRC sub-branch of the Agricultural Bank of China,it is found that the root cause of the problem is the uneven quality of personnel.Insufficient credit risk management is a mere formality,and the follow-up monitoring of credit funds is lacking.It is necessary to formulate targeted strategies to improve the risk management level of personal credit business;Combined with the actual situation of the SJRC sub-branch of the Agricultural Bank of China,a specific optimization plan is proposed: First,the risk management process of the personal loan business should be optimized,and the risk management of the whole process should be carried out.Secondly,the Credit Risk+ model can be used to scientifically measure personal credit business risks and make effective early warning responses before risks occur.Thirdly,it is necessary to improve the risk management methods of personal loan business,accelerate the adjustment of credit structure,and strengthen the construction of risk professional teams and systems and mechanisms.Finally,it is necessary to strengthen the construction of the professional team of credit risk management,especially the training of risk management,adjust and optimize the personnel structure and configuration,and enhance the stability of the talent team.