Study On The Management Improvement Scheme Of Personal Loan Business Of China Construction Bank Haidong Branch

As an important asset business of commercial banks,the characteristics of the personal loan business with decentralized risks and stable profits are increasingly favored by commercial banks,and the balance of personal loan in domestic financial institutions has also increased year by year.For a long time,the indicators of the personal loan business of China Construction Bank Haidong Branch are in the forefront of the China Construction Bank Qinghai Branch and the local industry,but with the increasing competition in the industry,the rapid development of Internet Finance and other external environment changes,as well as the problems in its own organization,personnel,product,process,risk management and so on,the competitiveness of personal loan business of China Construction Bank Haidong Branch is decreasing and market share is gradually shrinking.Therefore,in order to maintain the local competitive advantage of personal loan business,the Construction Bank Haidong Branch needs to further optimize and improve the management mode of personal loan business so as to adapt to market demand and industry competition.Firstly,this paper reviews the theories related to personal loan business of commercial banks,and summarizes the development status and research situation of personal loan business of domestic and foreign financial institutions.Secondly,on the basis of theoretical analysis,we take China Construction Bank Haidong Branch as the specific research object and analyze its personal loan business management model,then the SWOT and AHP analysis models are used to make qualitative and quantitative analysis the main problems of business management and the development strategy of the bank is obtained.Finally,the improvement measures for the stable development of personal loan business of China Construction Bank Haidong Branch are put forward from the aspects of organization,personnel,product,process,risk management and so on.This paper carries out a special study on the management of the personal loan business of China Construction Bank Haidong Branch,and puts forward some measures aimed at the defects of its business management,in order to further improve the management level and ability of the bank’s personal loan business and promote the sustainable development of its personal loan business.