Research On Risk Prevention Of Retail Credit Business Of Yangzhou Branch Of Postal Savings Bank Of China

In recent years,China economy has maintained steady development,the domestic people's rising consumer demand,retail credit business with the high profit rate,economy of capital occupation and other advantages,showing a rapid development trend.The commercial bank retail credit business as the asset quality of business development,greatly contributed to the development and diversification of bank assets in business strategy the continuous improvement of the status,and the corresponding product innovation ability to continuously improve the quality of service is increasing rapidly.With the transformation of the mode of economic development,the reform of the domestic financial industry has further accelerated,retail credit business has gradually become a strategic fulcrum of the reform and development of banking industry,but Because the retail credit business of our country starts late compared with the western countries,the structure development is out of balance.In the risk management of retail credit business,the commercial banks generally have some problems,such as poor monitoring ability,backward management means,weak control ability and so on.This makes how to develop the retail credit business quickly and well has become an important issue facing the commercial banks in China,and it will become the core competitiveness of the retail credit business development of commercial banks.Based on the analysis of the commercial bank credit risk definition,characteristics and causes on the basis of the postal savings bank of Yangzhou City branch of the case study,this paper reviews the postal savings bank branch in Yangzhou City,the retail credit business process,the basic situation of the retail credit risk management culture and risk management techniques,found mainly in non-performing loans focus on personal business loans,so the retail credit risk research will focus on risk management of personal business loans,through the analysis using the RAROC model to carry on the postal savings bank branch in Yangzhou City,personal business loans risk,the postal savings bank of Yangzhou City branch of the retail credit risk management.In the problems of unreasonable credit business process,backward management technology,and the need to further improve the overall quality of credit staff,this paper puts forward to perfect the internal environment of risk management and improve the management of retail credit business process.In order to avoid risks to the greatest extent,it provides practical guidance for strengthening the prevention and control of credit risk in commercial banks,and can even further improve the development level of retail business in China.