Study On Personal Credit Business Risk Management Of BZ Subbranch Of SY Municipal Branch Of Postal Savings Bank

For commercial banks,personal credit business is one of the important businesses that can make profits.However,with the continuous development of credit business,it brings great risks as well as profits.The existence of these risks poses a number of challenges for commercial banks.To seize the opportunity and gain profit,the commercial bank must control the risk and defuse it actively.Therefore,how to carry on the problem that the Commercial Bank of the risk manager needs to solve urgently.This paper analyzes the current situation of personal credit business risk management of BZ branch of SY branch of postal savings bank,finds out the main problems existing in the process of personal credit business risk management,and explores the risk management strategy that is in line with the characteristics of BZ branch of SY branch of postal savings bank.In this paper,the risk management of personal credit business of SY branch BZ branch of SY branch of postal savings bank is studied in this paper.The first part is the introduction part.This part introduces the research background,theoretical significance and practical significance of this study are,scholars in this research field at home and abroad on the research situation of the subject,as well as the specific research ideas and thesis structure;the second part mainly related theories used in this paper to discuss.The purpose of this study is to research on the risk management problems,the postal savings bank SY branch personal credit business of BZ branch therefore,this part mainly analyzes the comprehensive risk management theory,principal-agent theory and credit rationing theory;the third part of the postal savings bank SY management status for the personal credit business of BZ branch and its risk analysis.This section makes an in-depth analysis of the general situation of the bank,the status of personal credit business,the present situation of risk and the current situation of risk management.The study found that there are many risks,including operational risk,policy risk,legal risk,customer's credit risk,liquidity risk and collateral risk.In addition,these risks are characterized by greater risk,greater impact on the economic cycle,and higher risk reduction costs.The fourth part analyses the problems existing in the risk management of personal credit business of BZ branch of SY branch of the post-storage bank.This part analyzes from the personal credit risk management personnel quality is not high,the personal credit business credit control system is not perfect,the personal credit risk management process is not smooth and the personal credit risk management system is not perfect;the fifth part studies the Countermeasures of personal credit risk management of Postal Savings Bank of SY branch of BZ bank the.This part puts forward the specific strategies of risk management from the aspect of strengthening the risk prevention and control training,personal credit business practitioners and improve the personal credit business credit control system,optimize the process of individual credit risk management and improve the credit risk management system.