Research On Risk Management Of Personal Operating Loans Of Foreign-funded X Bank Shenyang Branch

During these years,the development of inclusive finance has received great attention from the country,and the state has enacted a string of measures for micro and small firms.Small and medium-sized enterprises are small in size and large in number in China.Personal business loans accounted for an important share of commercial banks’loan business to support small and micro enterprises.The subject of personal business loans is individuals,but compared with other types of personal loans,the use of funds for personal business loans is not for personal consumption and purchase of houses,but for the company’s running.This involves the situation of more companies,usually the loan amount is relatively large,and more risk factors need to be considered.Therefore,personal business loans involve the risk prevention of personal loans and corporate loans,and the business risks arising from this complex situation are also exposed.In response to this problem,Increasing risk management in the personal business loan is a prerequisite for the sustainable development of commercial banks,which in turn provides a guarantee for maintaining the prosperity and stability of the financial market environment.This paper adopts the method of combining theory and practice,combined with the development status of personal operating loan business and risk management status of foreign-funded X bank Shenyang branch,analyzes the current situation and problems of risk management,and on this basis,identify the three risks involved in personal business loans,the borrower,the bank’s internal,and external risks.Combining analytic hierarchy process and fuzzy comprehensive evaluation method,the result of the personal business loan risk evaluation of the foreign bank X bank Shenyang branch is obtained,and the risk factors are changed from qualitative to quantitative,and then summarize risk management measures.Based on the analytic hierarchy process and fuzzy comprehensive evaluation method,this article measures the level of risk,and verifies it through specific examples of bank X’s personal loan business,so that the risk management system of Bank X Shenyang branch can be improved,and it is effective for other commercial banks with such business.Improving the level of related risk management has certain reference significance.