Subject Problems And Countermeasures Of The Risk Management Of The Personal Credit Line Of China Construction Bank

In recent years, the personal credit line develops rapidly, and has already become the focus that every commercial bank fights for gradually. China Construction Bank has already confirmed the personal credit line as the strategic business recently, put forward the goal of "making and retailing the bank first-classly ", and offered the unprecedented opportunity for the development of the personal credit line. Formulation and proposition of the personal credit line complies with the need of reform and development of the commercial bank, and helps China Construction Bank to adjust and optimize the structure of credit constantly. But meanwhile, we are fully aware that it is impossible for the development of the personal credit line to accomplish in one move, and it can not be plain sailing in the course of developing. That is to say that in the situation that the personal reference system is not so complete at present, there is certain risk to develop the personal credit line and influence the continual,fast and healthy development of the personal credit line directly. Just as one leaf has the positive side and the negative side, it is that hiding the risk while pregnant with market chancing.Because of this kind of understanding, this text starts with analyzing the meaning and the current situation of the development of the personal credit line of China Construction Bank , sums up and summarizes the problems that exist in the personal credit line and the risk management of China Construction Bank, carries on the analysis of the reasons to the question, and puts forward the principles of risk management of the personal credit line and the Countermeasures and measures that the risk takes precautions against, in order to guide the concrete working practice of the personal credit line.