A Study On Risk Management Of Individual Credit Business Of NJ Bank

Under the "New Normal" background of china's economy,economy development has been slowed down while economic structure also faces transition,the government keeps steering the economy growth in domestic demand and introduces a series of policies for guiding.Benefit from loose polices,commercial banks obtain considerable development in the field of personal housing mortgage loan,personal consuming loan,individual loan for education and credit card etc.Not only the types of loan have emerged in endlessly,but resident consumption capacity and awareness has increased.Within commercial bank credit system,individual credit business has attracted more attention and gradually become a critical method to make a profit.However,such a mushroom growth,at the same time,brings larger credit risk.Under this circumstance,how to catch the opportunities and get rid of risks to make sure the sustainable development of individual credit business has been a problem which demands a prompt solution.This thesis summarized the previous research and analyzed the outstanding management experience of individual credit risk at home and abroad.Through combing the analysis ofthe actual situation of individual credit business of NJ bank,the paper proposes the suggestions to improving the individual credit business risk management of NJ bank.For the purpose of maintaining the continually healthy growth of relative service of NJ Bank,the solution mainly includes the principle of risk management,general idea as well as specific countermeasures.