| Judging from the history visual angle,our country banking initial has been given the first place to the public business. And its characteristic is that customers of the organization quantity is less , fund scale is big , the banking business personnel who participates in are also less. But, facing to the economic globalization, economic integration and financial internationalization cut-throat competition, the bank product draws especially with the fact that the foreign bank ceaselessness entering in have aggravated tremendously serving the fierce competing. Therefore, to private interests business , namely individual credit business, who plays an important role of basis business and profit pillar one in developed country bank, will become the priority field that our country commercial bank develops in the days to come. Main part being personal credit behavior shows individual credit, and also behavior that the borrower relies oneself on and guaranteeing that square credit is horizontal gaining a financing. And for example ,house loan , vehicle loan , by credit card consumption and their personal consumption gets a loan , whose characteristic is that the single business fund scale is small , business is complicated and quantity is big, occupy bank large amount of professionals , increasing cost , reducing efficiency , the competition having affected a bank , not accord with the whole world banking developing trend at the same time .Risk problem facing the commercial bank, risk , the flowing risk having credit aspect , wants to answer the risk handling too, not only the bank operation risk administration dealing with bank inner procedure and technological process. At the same time also, dealing with bank framework of organization, policy and handle the risk administration technological process, risk administration core index method interposing essence being quantization with risk .At the same time monitor by continuing for, controlled by the fact that organization and system technological process setting up , risk monitors and risk assigns forecast capital to implement having an effect to the bank risk, supporting healthy sustained bank development. The foundation stone that individual credit develops is that personal credit, our country and market economy fit in with each other, individual financial market centering on credit order keeps away from not having taken form. For resolving a bank, credit risks, our country have adopted many-sided measure. But manage measure having many sides and do not have the credit risks reducing a commercial bank by a wide margin. Bring about our country commercial bank credit risks there existing deficiency in no notable cause aspect such as being many-sided , still being that especially state-owned our country commercial bank commercial bank organizes system , the technology in credit risks management system mainly managing effect. The administration pattern not currently in effect to individual credit risk is not bad make use of, neither have a ingredient forming entire but independent system, but being only an all-round risk administration's as the commercial bank. And manage system since the banking falls behind in the homeland relatively, already, individual credit risk administration system can not adapt to the improvement carrying out administrative effective call for currently to risk, requiring that are in progress to now available risk administrative system is an effective and improves and perfects under current situation further developing in our country commercial bank individual credit business.That the Chinese individual credit marketplace develops a obvious characteristic being in the middle since the beginning of this year is that market competition is day by day acute , market share is coming down although the state-owned commercial bank being occupying most market share, stock system commercial bank competition is prompt strengthen. A lot of non-bank financial institutions enters the individual credit marketplace. A little foreign financial institution glares at fiercely to Chinese worker consumer market. Resident invisible income increased by government stimulate the economic growth measure. The credit consuming concept as well as the life-style changing, the competition between development of capital market and banking institution have led to the current individual of Chinese increases by in large scaleBut development of only almost annual time, the degree failing to reach maturity over, returns our country individual credit marketplace back being in the junior stage. The symbol believes that no perfect, and refreshed system information block of wood is timely, miscellaneous and trivial state that disagreement handles waits a problem for a while having affected the accuracy collecting message system gravely have affected at the same time also a bank putting in the loan enthusiasm. Our country does not build up a legal system of individual credit marketplace in complete set and also , person does not form sufficient restraint no to take out loans.The social security system is not perfect, the inhabitant income differential is great, credit system construction backwardness, factors and so on personal credit fixed price function flaw also creates person credit market being full of loopholes, the risk stays at a high level.Therefore, had to understand correctly Our country Commercial bank current faces the credit risk, guards against and controls the new credit risk production, early melts the credit risk which already formed, the bank risk management rise for a management and operation important constituent, established and consummates Our country Commercial bank comprehensive risk management system imperative.The present stage, our country Commercial Bank risk management may divide into two parts, the interior strict controls from the inside the system and the good company through the establishment governs the mechanism, the maximum limit guard risk and guarantees the bank service the healthy development, thus realizes the bank shareholder value maximization; the outside through enhancement commercial bank supervising and managing, carries on the financial system the reform and the consummation, guards against and the melt finance risk fundamentally. But interior as a result of idea, technical, method question, outside because does not have the consummation to draft the letter system as well as to provide the safeguard the legal framework, caused the development of Commercial bank in our country not standard, anti-risk ability was weak. After our country entered into WTO, the commercial bank faced with the foreign capital bank steep competition, withstanded more bigger competition pressure than before. In the future, firstly, the bank risk management organization system will adapt to the commercial bank stockholder's rights structural change, establish under the board of directors management, gradually, the risk management organization construction, guarantee the entire good risk management strategy, by chance unification and the risk management independence; Secondly, in the risk management execution stratification plane, must change the administration pattern, realizes the risk management crosswise to extend gradually, the longitudinal management, realizes the management process flattening in the matrix form management foundation, further consummates Our country Commercial bank the risk management policy system, as well as the science risk management decision-making system and the appraisal system, from the idea, the technology, draft the letter organization, draft in the letter law to consummate the risk management system, and provides the safeguard from the internal control mechanism and exterior legal framework for the risk management system, forms the three-dimensional risk management system.This article takes the China Postal savings Bank jot credit loan as an example. Through the postal service bank jot credit loan pattern, the development strategy and so on, the multiple perspectives analysis postal service bank jot credit, proposed at present exists the system, the personnel quality, the fixed price strategy, draft aspect and so on letter system as well as examination and approval link questions, and according to the current existence question, analyzes its origin, had pointed proposed the improvement program, hoped take this as a foundation, provided a beneficial suggestion for the China Commercial bank personal credit risk management, controlled the risk in the development, developed in the control risk, achieves the commercial bank profit maximization.The personal credit service in overseas nearly have 100 year development histories, but in China, this kind of service only just started, but also calculated an emerging financial service, China just started in individual credit loan domain work, in the law, drafted in the letter, social each stratification plane all has the massive blank spots. Our country not yet established the perfect individual credit mechanism, the personal economy behavior at present isn't still standard, adds the personal credit launch time not to be long, still didn't have how many successful experiences to be possible to profit from, needed seeks the balance point between the risk and the income, at in the model overseas experience foundation, made the big personal credit market, went out suits the Chinese national condition road. |
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