Research On The Risk Control Of Personal Consumption Loan In B Branch Of A Bank

Personal car consumption loans are loans issued by the bank to the borrower for the purchase of self-use vehicles.The borrower’s purchase of the vehicle must be purchased from a special dealer who has signed a "car loan loan cooperation agreement" with the bank.Personal consumption automobile loan is one of the main products of individual bank loan category of bank A,and the proportion of middle business income created in each year is relatively large in personal financial business.In recent years,with the change of B economic situation and the borrower’s personal Solvency decline,the bank personal car loans have a bad,bad customers are diverse,the bank has a bad loan for the reasons for the operation process,there are internal control system reasons.This not only affects the Bank’s operating results,but also to the bank how to identify high-quality customers,customers predict the ability to repay,strengthen postloan management and other aspects of the new requirements.First of all,I introduce the status and problems of individual car loans in Bank A,and conclude that if the loan is qualified after the issuance of loans,it is necessary to identify the customers as low-risk customers through the gamebased refining Bayesian Nash equilibrium model analysis.Through the Nash equilibrium,we can see that the optimal structure is not the actual situation of the bank to issue loans,to control the risk,you can measure other combinations of strategies to the optimal equilibrium structure.After the loan from the loan,loan,optimize the credit process to explain how to convert this game balance.Finally,from the optimization of the credit process to improve the system credit system before the credit system and the establishment of post-loan early warning system recommendations,the establishment of incentive system withinthe bank system,the implementation of policies to improve the guarantee mechanism in three areas to protect the above measures can be implemented in place system.Bank practitioners to change their thinking,an effective ability to determine customer solvency,pay attention to the customer’s first source of repayment,to strengthen post-loan warning is the key to protect individual car consumption loans.This paper recognizes the reality of the various strategies in Nash equilibrium in the imperfect dynamic game.It can be used to innovate the transformation of these strategies through the internal system process optimization and system guarantee.