C Rural Commercial Bank "Afu E-Lending" Product Risk Control Research

With the deepening of national economic reforms and the adjustment of economic structure,the competition between commercial banks has become more diver sified and more intense.Large customers are often the place where large banks compete.The advantages of other smaller banks in the competition for big customers are not obvious,which makes some small banks,such as rural commercial banks,turn their attention to retail.Market,focus on individual customers and small and micro enterprise customers.C Rural Commercial Bank is in the process of development.It believes that the personal credit business has a good market prospect and can focus on developing personal credit business in the local area.However,a number of banks in the local area have launched personal credit business.The personal credit products launched by C Rural Bank in the early stage have obvious homogeneity and average performance.In the later period,C Rural Commercial Bank designed a personal credit product that combines credit loans,guarant ee loans and mortgage loans -"Afu e-loan",which is not only rich in products,but also flexible in cash withdrawal.There are strict restrictions,and it is very convenient to transfer funds directly or withdraw cash after the loan is approved for loan.After the product was launched,it was well received by the majority of in dividual customers.However,due to the collection of various types of loans,the flexible cash withdrawal and the large risk capacity,some unfavorable cases occurred during the operation,and the risk control was relatively difficult.This article takes the rural credit bank's personal credit business launched in recent years,"Afu e-loan" as the basic case,focusing on the risk control of "Afu e-loan".The research in this paper is mainly divided into six parts.The first part is the introduction,which mainly introduces the background of research and the status quo of research at home and abroad.The second part is a case study of C Rural Commercial Bank "Afu E-Loan",which mainly includes an overview of the personal credit business of C Rural Commercial Bank,a case introduction of "Afu E-Loan" and "Afu E-Loan" risk control measures.In the case introduction o f "Afu E-Loan",the background,application principles and requirements,access conditions,interest rates and quotas,rejection conditions and innovation points of "Afu E-Loan" were introduced.The "Afu E-Loan" risk control measures mainly in clude pre-lending investigation,loan review,post-loan inspection and risk warning.The third part introduces two typical non-performing loan cases of "Afu E-Loan" and discusses the shortcomings of business personnel in risk control.The fourth part analyzes the risk control problems and causes of "Afu e-loan".The risk control issues mainly include the lack of professional competence of credit officers,excessive emphasis on formalities in pre-lending review,over-sufficient guarantee measures,over-reliance on labor management,and risk warning.The mechanism is relatively lagging,and the supervision of credit funds is insufficient;the causes mainly include the lack of internal control and the uneven quality of personnel.The fifth part is the improvement of the risk control measures of "Afu e-loan".The main measures include improving internal management mechanism,strengthening on-site investigation and post-lending inspection,building a scientific risk control team,applying big data risk management,and strengthening credit insurance.Five aspects of the mechanism.The sixth part is the conclusion of this paper.I hope that the research in this paper can inspire the risk control of "Afu E-Loan",the personal credit risk control of C Rural Commercial Bank,and even the credit risk management of the banking industry.