Research On Risk Management Of Personal Credit Business In Commercial Banks

Personal credit risk has traditionally been one of the major forms of risk in bank area and the whole financial industry. For financial institutions and regulatory departments, to prevent and control the personal credit risk is their main object and core content. With the continuous development of international financial credit market, the assets quality of commercial bank personal credit deteriorate gradually and the rate of unhealthy credit becomes highly, meanwhile, it gradually exposes and increases the commercial bank personal risks in our country and thus affect the stability development of the whole economic and financial areas. Therefore, the prevention research of our country’s commercial bank personal credit risk both has theoretical value and practical significance. Based on the theory of financial development and the practices of bank’s personal credit management, this article firstly summarizes basic concepts of current personal credit in the field of commercial bank and the present situation of the personal credit risk management. Secondly, we introduce some successful experience of personal credit risk management in both domestic and overseas commercial banks. And then we analyze the present situation and main problems of Z commercial bank’s credit risk management. Finally, aimed at these problems, we put forward a series of risk management and prevention measures that will promote Z commercial bank’s personal credit risk prevention and healthy development.