Research Into Risk Control And Efficiency Improvement & Balance Strategy Of Retail Credit

The retail credit operation by the credit property structure which its has optimizes, the economical capital takes saves, an income profit margin more higher superiority, already became the service domain which the internal commercial bank vigorously developed. The retail credit naturally has the risk as the credit asset operation , its success management depends on the effective risk control. Faced with the intense trade competition, the market efficiency is another important thing to retail credit operation.In the credit management practice commercial bank throughout faces the puzzle how to balance the risk control and the market efficiency.This article is precisely based on this reality, revolves the risk type and the risk control countermeasure of the retail credit operation, as well as market efficiency connotation, the service variety quality benefit growth strategy and the service innovation strategy, synthesis theoretically seeking with the management practice experience, makes as far as possible the thorough study, ponder and research, and model international advanced banking industry development experience, research and discuss about balanced strategy between the risk control and the market efficiency.Hope the research be helpful to the practical work,enrich and open up the management mentality.Paper including following five parts:Introduction, introduction not only outlines the research background and significance in topic choice of the paper as well as the key aspects and theoretical bases of research but also elaborates main innovations and existing shortages.First chapter, the domestic banking industry retail credit development outline. First elaborated the retail credit concept, the retail credit development superiority in current internal commercial bank service variety. Then analysed retail credit operation request of strengthening the risk control.The market efficiency also is the key aspect which have influence on the success management of retail credit, how to grasp the balance relationship between risk control and market efficiency is the question throughout the credit management practice.Second chapter, retail credit risk control inspection. This chapter has analyzed the retail credit operational risk, credit risk and the risk of mortgage which as one of credit risk mitigation techniques, proposed the corresponding risk control countermeasure andsuggestion. The operational risks in retail credit are more prominent than in wholesale credit, so the key of this chapter lies in operational risk. This chapter introduces the ideology and framework regarding operational risk supervision of the Basel New Capital Agreement, discusses such countermeasures as how to consummate the internal control mechanism, standardize loan operation flow, construct internal control culture as well as carry out quantification management of retail credit operational risk.Third chapter, retail credit market efficiency inspection. This chapter revolves market efficiency , another key aspect of the retail credit success management, first analyzes the market efficiency as well as the retail credit market efficiency connotation, after instructed by the idea that market efficiency performance for quality benefit growth, discusses retail credit 3 services variety quality benefit growth strategy. The retail credit effective growth key also lies in the service innovation,receives third section briefly introduced the innovation rationale, analyzed importance and the present situation of current internal commercial bank retail credit operation innovation, proposed the suggestion about the retail credit operation innovation principle and direction grasp.Fourth chapter, balanced management mechanism constructing of retail credit.There is much development experience in the retail credit operation of the overseas advanced banking industry worthy to study. this chapter introduced American and the Hong Kong retail credit operation development experience, proposed strategy orientation suggestion of balanced management mechanism for the internal commercial bank retail credit operation.