The Study On Risk Control Of China's Commercial Banks' Personal Network Consumer Loans

With the continuous introduction of the relevant policies on commercial housing prices in China,the marketing focus of commercial banks has gradually shifted from the property market to personal consumption loans.According to the related consulting company,within the next five years the consumption loan will be showing a growth spurt,the annual compound growth rate remained around 21%,consumer loans will be the size of 41 trillion yuan from 2015 to 19 trillion yuan in 2019 increased to around.With the popularity of Internet technology and the rapid development of commercial banks will show better integration with the Internet information technology,commercial banks will use the "Internet plus",the use of the Internet online channel to provide consumers with more convenience,simplify examination and approval procedures,risk control by big data technology,reduce the cost of manual review,so that consumers get to borrow in a relatively short period of time,for daily consumption,to ease the financial pressure.As a kind of Internet financial innovation,commercial bank personal consumption loan network main significance is to relieve personal financial pressure,the use of funds for daily turnover,increase personal consumption,provide new ways and channels for consumer financing.Therefore,the personal consumption of commercial banks plays an important role in the current and future economic development.Due to the transformation and upgrading of consumer demand,the urgent need for low-cost,convenient,fast,high credit lines of personal credit products,and greatly promote the rapid development of commercial banks online consumer credit business.At present,ICBC,construction bank,Bank of China,Agricultural Bank of China,Minsheng Bank,China Everbright Bank and China CITIC Bank have launched online loan products to meet the needs of different consumers.This paper consults the related basic theory and literature based on the personal network consumer loans of commercial banks connotation,theory of knowledge is described,then the research of commercial bank online consumer loan business operation and risk control situation,the paper probes into the main risks and their causes,and finally puts forward the risk control measures,strengthen the business of commercial banks the anti risk ability,optimize the environment for the development of personal consumption loans,promote the long-term stable development of the financial industry.