The Study Of Bank Credit Risk Management System Basing On Personal Consumer Credit

Since the second half of the last year, the global economic situation worsened, global impact of the growing economic crisis caused by the United States sub-loan crisis, the commercial banks of consumer credit risk management system is also facing the inevitable challenges .However, the vast majority of commercial banks in China's current consumer credit risk assessment system reflects the situation of the small risk, especially housing loans, the vast majority cases of the housing loans credit rating is excellent, compared with the current status there is great contrast. And because the housing loans has a substantial proportion in consumer credit,there is a huge potential risk. With the further spread of the economic crisis, the real estate market bubble economy began to break down, at the same time due to the impact of economic crisis, the real economy suffered, resulting in a large number of unemployed workers, a pay cut or even unemployment. So many people choose to settle. Tacking Shenzhen City as an example, at present, Shenzhen Arbitration Commission hearing the case has been broken for more than 30% of all cases, reaching to 600. With the passage of time and the impact of financial crisis, the current figure may be double . Therefore China's commercial banks are required to understand the situation clearly, to build their own r personal credit scoring model, and at the same time establish and improve the risk management system to strengthen the individual credit, especially housing credit risk management.In this paper, reference to the basis of a large number of domestic and foreign literature, the results from previous research. Taking the risk management risk management status of commercial branch bank in Wuxi as study object ,this paper card the risk management study status of th commercial bank branch in Wuxi, then analysis the problem existing in the Wuxi commercial bank risk management system using the knowledge of project management, economics, management expertise and financial analysis. The research basing on project management perspective to establish a personal credit scoring model for credit and built a perfect system of risk management counter measures and proposals.This paper at first introduces the background thesis of the research ,the meaning and purpose of the study, research ways of thinking, the research status at home and abroad , and on the base put forward the ideas and the study frame work of the article.Secondly, this article introduce the theory of risk management, containing the credit concept, the concept of consumer credit, commercial bank risk, risk management, the meaning of the division of risk categories, risk management objectives, risk management processes and risk management strategies based on the theory.In this paper, this article introduce the risk management status of a commercial branch bank in Wuxi. Basing on one month survey about the situation in Wuxi bank in, first of all, a commercial bank provides an overview of the development of status in Wuxi, and then summed up the personal consumption of Wuxi commercial branch bank and the causes of the problems.On the basis of the status, the paper select the method of Logistic to assess personal credit mode, in this part do more detailed introduction about the theory for the Logistic Model and the process detail of model building, including the choice of sample , variables to preliminary statistics, the quantitative indicators, indicators of the screening, model testing and application analysis.Finally, basing on the establishment model about commercial banks and the current status of risk management, this paper gives some suggestion about the establishment and improvement of risk management measures, including loan risk management before and after the loan a and supporting measures, and the summary of this article.