Research On Pre-lending Risk Management Of Personal Credit Business Of LS Rural Commercial Bank

The analysis and management of credit risk is the core content of bank credit business activities,which is of great significance to the stable operation of banks and the stability of financial system.Pre-credit risk management is the forward position of preventing credit riskofcommercial bank credit.The scientific thought of credit risk management and the scientific system of pre-credit risk management could control the commercial bank loan risk at the source.As the core of rural finance,rural commercial bank plays a key role in supporting local small and medium-sized enterprises,stabilizing regional economic development and promoting harmonious development of society.Compared with ordinary commercial banks,rural commercial banks have their own particularity.The credit risk of rural commercial bank is frequently higher than traditional commercial banksbecause of the particularity oftheir economic environment and customer groups,and non-performing loan rate of rural commercial bank is still staying at a high level.How to strengthen the credit risk management of rural commercial banks is an urgent problem to be solved in the development of rural commercial banks.As the backbone of rural finance of Linyi city,LS rural commercial bank has significant influence on the economic development of Linyi city.The credit business is the main income source of LS rural commercial bank,and the corresponding credit risk also becomes the primary risk that it faces In order to improve the ability that LS rural commercial bank control the credit risk,this paper studies the current situation of personal credit business,the situation of Pre-credit risk management and the typical cases of personal non-performing loans in LS rural commercial bank based on the credit risk management theory of commercial banks and the theory system of pre credit risk management.We find that there exit some problems in the Pre-credit risk management of personal credit business of LS rural commercial bank.For example,the ability to discriminate false information and the awareness of prevention is not strong,ignoring the second repayment source survey,lack of industry analysis and external environmental analysis,some of the credit salesman is unprofessional,the awareness of preventing risk is weak,pre-credit review perform practically no function and so on.In view of these existing problems,this paper proposed the corresponding improvement plan separately from the pre-credit survey,pre-credit review and pre-loan approval three links for LS rural commercial bank.Furthermore this paper puts forward the corresponding institutional guarantee,human resources protection and guarantee of risk control culture in order to improve the implementation of the scheme.This paper mainly aims to improve the ability of controllingrisk of the personal credit business of LS rural commercial bank,so as to promote the healthy and steady development of the personal credit business of LS rural commercial bank,and provide reference for other rural commercial banks.