Analysis Of Personal Credit Risk Management Of Ping An Bank

Under the condition of new economy,deleverage and financial safety declared by the 19th National Congress of the Communist Party of China,commercial banks face internal and external pressures.One Belt and One Road and other positive factors provide commercial banks with promising prospects.On the basis of analyzing economic situation,Ping An bank starts transferring its business mode to retail bank and as a result increases its performance.At the same time,credit risks also increase with the increase of business performance.This paper considers Ping An bank as object of study,specially focuses on its personal credit product "Xinyi Loan,we will find some details that lead to credit risk.This paper takes Ping An bank as an example.Firstly,we introduce some basic information of Ping An bank,which includes its business condition,staff condition and organization structure.Then we introduce some basic information of its credit business,and in terms of the five-category assets,we will find some changes about its credit business over past four years.According to comparing personal credit business with other type of credit business,we will find the importance of its personal credit business.After analyzing personal credit business and credit risk management of Ping An bank,we will focus its representative credit product "Xinyi Loan".After collecting default cases,in terms of process of credit business,we find some shortcomings of credit management which exist in credit business process.Then based on analyzing immediate cause and communicating with internal credit business staff,we find that there are some further shortcomings about credit risk management,such as insufficient of process of credit business,shortage of human resources,insufficient policy,lack of credit risk culture and bad cooperation with intermediary agent.In order to improve ability of credit risk management,we provide some suggestion,such as improve credit business process,increase human resource,stress on efficient policies,build risk control culture and supervise intermediary agent.