Research On Risk Management Of Personal Credit Project Of ZZ Rural Commercial Bank

In recent years,economic development stepped into a new normal stage in China and competition in financial market becomes increasingly fierce.In order to keep its development vigor in the county,Rural Commercial Bank of ZZ,affiliated to Shandong Rural Credit Union,has to keep pace with times and make innovations in supporting agricultural development and small-and micro-sized enterprises,arrange and implement credit programs practically and make personal credit program the core competitive product of it.Nowadays,interest spread of deposit and loan of financial institutions are narrowed continuously and margin of banks is reduced gradually.Additionally,in such an economic downturn,Rural Commercial Bank of ZZ does not have enough effective load demands,high-quality customer resources are reducing,rebound of non-performing loan is more serious,risks faced by banks are diversified increasingly and risk management is more difficult.Credit risk management,an important part of risk management of Rural Commercial Bank of ZZ,is indispensable in the whole credit business and is related to a series of work before,during and after loan,specifically investigation before loan,loan approval,loan grant,management after loan and loan collection.Personal credit is a main part of loan business of the Bank.So,Effectiveness of personal credit risk management turns to be an important guarantee for sustainable development of the Bank and has a vital role in better supporting agriculture,farmers and rural economy,boosting regional economical development and performing social responsibilities of the Bank.This Paper analyzed personal credit risk management status and related problems of Rural Commercial Bank of ZZ by referring to theories related to project risk management and using such methods as literature research and case analysis.On this basis,the author built a personal credit risk evaluation index system composed of such factors as basic family situation,credit reputation,loan purpose and market prospect,security conditions,assets and liabilities,revenue and expenditure.Using fuzzy mathematics based fuzzy comprehensive evaluation,the author took all credit risk factors identified as evaluation objects,set corresponding risk factor weight and measure specific risk of each credit risk factor;additionally,the author determined risk level for each category of credit risk and thus obtained overall risk of the credit.And analysis and verification with the loan case,finally the author put forward personal credit risk countermeasures.In this Paper,a fuzzycomprehensive evaluation method based personal credit risks evaluation model was established,extent of risks of personal credit was measured and their effectiveness is verified with instances.The Paper provides a reference in improvement of credit risk management level of banks.