Research On Control Of Personal Loans To Huishang Bank

With the rapid development of national economy, personal loan business is also showing a rapid development trend. However, the development of personal loan business can not do smooth sailing, because impede all aspects of personal loan business will inevitably have an impact. With Huishang Bank, its personal loan business may face certain risks, so the risk of personal business loans has become one of Huishang Bank had attention.This paper introduces the concept of personal loans, the principle of classification of personal loans, personal loans, personal loans risk, and the commercial bank risk management theory, through the analysis of the status of HuiShang bank personal loan business and risk control problems that exist in the process, find out the HuiShang bank personal loan business of non-performing loans and non-performing loans growth, analyses the reason of non-performing loans difficult recovery, so as to suit the remedy to the case, put forward improving HuiShang bank personal loan business risk control measures, finally to improve the quality of personal loan business, goals to reduce non-performing loans.In this context, The first chapter is the introduction,mainly elaborated the research background and research conditions and so on; second chapters personal loan business profile,explore personal loan business, analysis of domestic commercial bank personal loans theory; problems and causes of risk third chapter of Merchants Bank personal loan business control analysis, mainly in order to identify the problem, Analysis of the reasons, to be able to lay the foundation for the subsequent settlement policy conditions; fourth chapter analyzes internal and external environment for the Merchants Bank personal business; the fifth chapter discusses the Merchants Bank personal loan business risk control strategy,hopes personal loans marketing strategy,personal loans risk control measures these two aspects,namely personal loans for marketing strategy and risk control measures in detail,to ensure that the risks are better able to handle Merchants Bank personal loan business face; sixth Outlook chapter is the conclusion,by summarizing the full text of the central idea of future trends to be discussed.For risk control Huishang Bank personal loan business is still a long way requirements, this study aims to lay the foundation for further follow-up study, a study of the road paved.