Research On The Risk Management Of Consumer Loans Based On China Everbright Bank Changchun Branch

For the economic development of the troika,for a long time,investment has occupied the first place,import and export trade and easy to occupy the second place,consumption accounted for the last.However,with the changes in the form of the international economy.Domestic industrial restructuring;China's consumption upgrade has allowed banks' personal consumption loans to enter a period of rapid development.Can China's commercial bank consumer credit business develop its consumer credit business smoothly and smoothly under the balance of risks and returns? It is related to the smooth operation of China's national economy,because it can not only help the country achieve macroeconomic policy objectives,but also play an important role in promoting regional economic development.Everbright Bank has always been at the forefront of financial innovation,with a full range of consumer credit businesses and a large audience.The author analyzes the current operation status of Changchun Branch of China Everbright Bank in detail;analyzes and summarizes the current operation of three categories of consumer credit business,such as personal housing consumer loans,credit cards and e-banking,and summarizes the current advantages and consumer groups of consumer credit business.The analysis of the factors of comprehensive contribution of industry factors,combined with the characteristics of customer groups,summarizes the current risk management of China Everbright Bank's consumer credit business.As of the end of 2018,the balance of consumer credit of China Everbright Bank Changchun Branch has reached 20 billion.Comprehensive analysis of the current status of individual personal consumption loans and the current risk management status of 34 sub-branches in the jurisdiction,through the methods of identification,measurement,evaluation and monitoring,using literature review,field research,inductive analysis,empirical analysis and other methods for detailed analysis,and Combining the advanced theory and experience of consumer credit risk management at home and abroad,summed up the risk sources of credit risk,operational risk,market risk and liquidity risk currently faced by China Everbright Bank's consumer credit business,such as the operational risk of consumer credit,the author Through a detailed analysis of the risk hazards brought about by the various steps of the process of consumer loan processing,assessment incentives and personnel management,and a detailed analysis of the counterparty risk in the credit risk of consumer credit.Summarize the current shortcomings of the consumer credit business of Changchun Branch of China Everbright Bank in dealing with four major types of risks and risk management.Finally,the paper proposes the improvement measures and suggestions for the four major types of risks facing the consumer credit business of Changchun Branch of China Everbright Bank: improving the personal credit evaluation system of Changchun Branch,suggesting that the branch can dock the private credit inquiry platform;on the quantitative level,it is recommended to pay attention to default.The ability to analyze and predict relevant quantitative indicators such as probability,risk exposure,and recovery coverage.Strengthen the risk compliance system and talent construction of Changchun Branch,such as: construction of consumer credit professionals,and improvement of internal control system.Establish a market risk dynamic monitoring model at the branch level: rationally use financial derivatives to hedge the interest rate risk,and recommend to build a solid risk forecasting model at the branch level.Creating consumer loans and bad derivatives channels: In order to increase the liquidity of the consumer credit business of Changchun Branch,we designed product financial derivatives with credit card asset-backed securities to reduce liquidity risk,and proposed the use of derivatives for risk hedging.At the same time,we must pay attention to the risk prevention and control of the derivatives themselves.It provides a theoretical basis for the healthy and stable development of the consumer credit business of Changchun Branch...