Research On The Risk Management Of Personal Consumer Credit Business Based On China Guangfa Bank

China’s sustained economic development has made the world’s attention,per capita disposable income continues to increase.Good economic trends to the consumer market is heating up,the market demand for consumer credit tools more and more strong,the development of consumer credit business is facing good opportunities,while the establishment of a comprehensive and effective personal consumer credit risk management system also made an urgent request.In this paper,Chinese joint-stock commercial bank,China Guangfa Bank is taken as the research object,combining the theoretical and practical background of China Guangfa Bank,basing on the research of bank risk management in consumer credit risk.This paper will take the risk identification,risk evaluation and risk control as the main line of the research,by the way of combing the theory with the data analysis.Firstly,this paper analyzes the causes of personal consumption credit risk of Guangdong Development Bank by introducing the concept of personal credit business and credit risk.And then,the third chapter of the paper will focus on the identification of the individual consumer credit risk,and sum up the concrete analysis of general method.The fourth chapter is the research on the personal credit risk evaluation as well as the evaluation method and early warning mechanism of personal credit risk.Finally,this paper puts forward corresponding countermeasures and suggestions on the establishment of China Guangfa Bank credit risk management system.They are as follows.First,take the classification of the borrower to make sure the pattern of lending on the basis of the preliminary evaluation of the borrower’s credit.Second,improve the internal mechanism,establish the credit risk review positions as well as a unified credit risk management culture and philosophy.Take full use of the advanced credit risk management tools,and establish the credit risk early warning system.Third,improve the external environment.The government should develop and improve consumer credit laws and regulations,and establish the whole society of personal credit system,the personal credit network system,etc.The relevant conclusions and suggestions of this paper,can not only provide reference for bank decision-making,improve the level of the individual consumer credit risk management of China Guangfa Bank,but also can improve the system of consumer credit risk management to provide reference for commercial banks.