Research On Personal Consumption Credit Risk Prevention Of China Construction Bank

Along with the new normal of China's economy,the per capita disposable income of residents has been growing,and consumption has become the absolute main force driving China's economic growth.In recent years,the state has continuously introduced favorable policies such as stimulating consumption,and has also made the personal consumer credit products in the financial market dazzling.As one of the important suppliers of personal consumer credit products,commercial banks,with the rapid development of personal consumer credit business,the risk caused by personal consumer credit business has become the main challenge facing commercial banks.This paper takes China Construction Bank as the research object,and studies the personal consumption credit risk of China Construction Bank based on relevant theories and the actual development of China Construction Bank's personal consumption credit.This paper combines case analysis with quantitative analysis,with "risk identification-risk assessment-risk prevention" as the research context.This paper starts from the status quo and risk prevention of CCB's personal consumer credit business,and finds that there are problems in the supervision of the current personal consumer credit business risk in the construction bank,credit personnel and credit processes.On this basis,the factors are used.The analysis method evaluates the risk of CCB's personal consumer credit business.The assessment results show that the risks faced by CCB's personal consumer credit business are mainly credit risk,including liquidity risk,market risk and operational risk.Therefore,combined with the personal,consumer credit in the United States,Europe,and Japan,the credit risk,liquidity risk,market and operational risk warning and regulatory experience to advise the CCB personal consumer credit risk prevention: first,from the institutional aspect,strengthen the early warning mechanism,use big data Artificial intelligence AI technology,high-quality risk control department team,strengthen credit information management system to prevent credit risk;Secondly,start with credit staff,implement customer manager system,improve the professional quality of credit officers to prevent operational risks;again,from the business development process Strengthen access control,control loan quotas,and conduct guarantee control to prevent liquidity risks;finally,it is necessary to use national legislation to promote the personal insurance system;improve the construction of national personal credit information system to prevent market risks.