Sichuan N Commercial Bank Personal Consumption Credit Risk Prevention Research

In the face of the sudden epidemic and the complex international environment,consumption is still the "main engine" and "main melody" of China’s economic development.Personal consumer credit plays an increasingly important role in expanding domestic demand,stimulating consumption,promoting production,optimizing supply-side reform,improving the structure of bank credit assets and diversifying bank operating risks,and has become an important pillar of commercial bank profits.However,while personal consumption credit is growing rapidly,it also exposed the problems that need to be solved urgently,such as the weakening of control over the use of credit funds,the prevalence of multiple credit lines,and the lack of risk prevention.This paper takes N Commercial Bank as the research object,guided by information asymmetry theory,life cycle consumption theory,expected income theory,risk management theory,etc.,adopts literature analysis,case analysis and other research methods,and through in-depth field research,interviews,questionnaires and other means,finds that N Commercial Bank in Sichuan Province has unreasonable allocation of human resources,The process of personal consumer credit is disordered,the risk assessment is biased,and the risk transfer method is backward,and other prominent problems are analyzed from this point of view,such as the imperfect laws and regulations of bank personal consumer credit,the fierce competition in the industry regardless of the consequences,the lack of scientific personal consumer credit risk assessment system,and other specific reasons.Finally,targeted suggestions are put forward to improve the human resources environment,including optimizing staff recruitment,Pay attention to training and cultivating high-quality talents,improve the quality of credit personnel,and improve the personnel performance evaluation system;Optimize the risk assessment method of consumer credit;Improve the consumer credit process and strengthen cooperation with other financial institutions to realize risk transfer and other specific countermeasures and suggestions,in order to comprehensively enhance the awareness of personal consumer credit risk prevention of commercial banks,strengthen risk prevention and control measures,improve the ability of commercial banks to comprehensively serve the society,and make positive contributions to the rejuvenation of the great Chinese nation.