Research On Risk Management Of Personal Credit In Rural Credit Cooperatives

One important driver of consumer credit as an important component of bank credit, thebank is not only an important source of profit, but also the country’s economic development.Since the financial crisis, has a different scale of consumer credit growth in developed countriesand China, also shows the governments in order to promote consumer credit to boost economicgrowth in the country through the financial crisis with determination. With this credit consumercredit scattered objects, difficult to collect credit information for the development of thecharacteristics of credit operations, the future risk of bank consumer credit business is still ahigh-fat characteristics. Although many varieties of consumer credit, but also focused onhousing loans and auto loans two aspects, accounting for about83%of all consumer credit. Asthe overheated real estate in recent years, our country has stepped up efforts to suppress the realestate, real estate was once a vacant house prices are overvalued real estate bubble and seriousphenomenon, the future is expected to increasingly strong bearish on prices, once the real estatebubble burst, prices fell inevitably lead to personal credit risks. It was based on the writing ofthis article in the recovery under the current financial crisis, and increasing the size of individualcredit backgrounds to our bank consumer credit business development of better Heze City, ruralcredit cooperatives, for example, to choose their subordinates Heze City of rural creditcooperatives for the study, the basic situation of China’s current consumer credit banks wereanalyzed to understand and conduct research on the causes of consumer credit risk and banks,hoping to in the current financial crisis, the domestic economy is not stable under the premise ofindividual credit risk management to explore.