Besearch On Personal Cerdit Risk Management Of China Merchants Bank Changchun Branch

Commercial banks are an important part of China's financial system.Their main functions are to absorb deposits,issue loans and remit money.They are also important financial institutions that undertake credit intermediary in the process of China's economic development.The business scope of commercial banks includes savings,payment and settlement,investment and financial management,bill discount,etc.,but they do not have the right to issue currency,and their main business is to operate deposits and issue loans.Compared with other types of banks,it has higher risks.For the current commercial banks,personal credit is one of their core businesses.Therefore,how to manage the personal credit risk of commercial banks is an important task for banks.Based on this,taking China Merchants Bank Changchun Branch as an example,this paper focuses on the problems existing in personal credit risk management during its operation and gives corresponding countermeasures,which has certain theoretical value and practical significance.Starting from the basic theory research of personal credit risk management of commercial banks,this paper takes Changchun Branch of China Merchants Bank as the main research object,makes a thorough and detailed investigation on the current situation of Changchun Branch of China Merchants Bank by using the methods of literature research and field investigation,and finds that the personal credit default situation of China Merchants Bank has been widespread since its opening.Although the bank adopts corresponding risk management measures to avoid risks,there are still many problems such as imperfect personal credit risk management,lack of a complete risk management system,unclear risk management objects and so on.The main reasons for these problems are deeply analyzed.On this basis,the corresponding risk management suggestions are put forward: establishing a reasonable evaluation system,building an internal risk management and control system,innovating risk management model,and improving safeguard behavior.The conclusion of this paper can provide guarantee for the future development of Changchun Branch of China Merchants Bank and promote its business to develop steadily.At the same time,it hopes to provide experience for the risk management of personal credit of other similar.