Research On Risk Management Optimization Of Personal Credit Business In G Branch Of N Bank

Since the reform and opening up,with the development of the capital market,our financial market system is becoming more and more perfect,and financial products spring up one after another.Among the numerous financial products,personal credit products launched by commercial banks play a pivotal role in them.As we all know,the main revenue method of Chinese commercial banks is to earn interest rate spreads through "low deposit,high loan".However,when making loans,commercial banks also bear the risk of losing the loan principal to some extent.Even though most of the loans have collaterals and pledges that can be disposed of,commercial banks need to be cautious in making loans.Once non-performing loans occur,their overall operating profits will be affected.In this way,strengthen the personal credit business risk management is particularly important.This paper takes G sub-branch of N Bank,one of the four major state-owned banks,as an example.By analyzing the credit data of G sub-branch in recent five years and interviewing senior credit personnel,this paper makes an in-depth discussion and research on the personal credit risk management of G sub-branch from the perspectives of risk identification,risk assessment and risk control,combined with the process risk management of personal credit business.This paper takes credit rationing theory,information asymmetry theory,credit vulnerability theory,internal control theory,expected income theory and total risk management theory as the theoretical basis.At the same time,the literature on personal credit business risk management at home and abroad is reviewed and summarized.On this basis,this paper analyzes the personal credit business of G sub-branch of Bank N,explores its credit business in accordance with the risk management process of risk identification,risk assessment and risk control,analyzes the risks in each link,and finally obtains corresponding analysis results.Combined with the actual situation of G sub-branch’s personal credit business,Put forward the risk management optimization suggestions suitable for the development of G branch’s personal credit business.Through the study of this paper,we can find out the risk factors affecting the personal credit business risk of Bank N and Branch G,and draw conclusions about personal credit risk management.From the perspective of risk identification,risk assessment and risk control of personal credit business,this paper focuses on the risk problems existing in the process of pre-loan investigation,loan approval and post-loan management of G Branch Bank’s personal credit business,and in-depth analysis of the risk management status and risk management system mode of G Branch Bank.This paper firstly studies the development status of G sub-branch,the internal environment of risk management of G sub-branch’s personal credit business,the development status and risk types of G sub-branch’s personal credit business;Secondly,the status quo,existing problems and causes of risk identification,risk assessment and risk control of G sub-branch’s personal credit business are analyzed and discussed.In addition,the Logistic model is used to quantitatively evaluate the risk factors of G sub-branch’s personal credit business,and the epidemic risk index is added to analyze and discuss the impact of epidemic factors on the risk of G sub-branch’s personal credit business.Finally,the paper gives an optimization plan for the risk management of G sub-branch,optimizes the credit risk management process of G sub-branch,evaluates the optimization plan and puts forward the countermeasures for the implementation guarantee.