Research On Risk Control Of Personal Credit Loan Product Promotion Project In Guangfa Bank Yingkou Branch

As the global economy becomes more and more closely connected,China's banking industry is also becoming more and more international.Under such circumstances,China's banking industry is also facing unprecedented challenges and opportunities.The current market environment and competition environment determine the higher and higher capital cost of commercial banks,especially for the commercial banks in strategic transition,how to seek balance of payments and reduce the continuous increase of financial costs,can play a positive role in the future development of commercial banks.At present,due to the continuous development of financial market,commercial banks can vigorously focus on the development of credit loan products with higher interest rates and higher returns.For this kind of business,if the future can achieve sustainable development,and the bank credit asset quality can be effectively controlled,then the share nature of commercial banks are important.Credit loan is different from other loans in the bank.It can provide customers with more convenient financial loan services without providing collateral.Therefore,compared with other loan types,credit loans are more deserving of market attention and more particularity for commercial banks and other financial institutions.Credit risk is one of the important risks faced by the financial industry,and the potential of this business is the primary risk of the financial industry.However,at present,the level of risk management of credit loans and the low risk control within banks are the main causes of credit risk.Therefore,If Guangfa Bank Yingkou Branch wants to develop credit loans,how to improve the management level of credit risk control process is an important issue facing the bank.The study found that if financial institutions can not improve the risk flow control system of credit loans,it will most likely lead to the outbreak of risk concentration of the bank,so that the credit loan business collapse until the bank's foundation.Taking guangfa bank yingkou branch as the research object for the risk control of the promotion of individual credit loan business,this paper introduces how yingkou branch carries on the risk control research for the credit loan product,and summarizes and analyzes on this basis.This paper investigates the risk of credit loan and analyzes the present situation of risk management in yingkou branch of guangfa bank,finds out the problems and gaps in risk management of guangfa bank,according to the current situation,how to control the bad rate of credit loan by setting up an effective risk control scheme.In the end,I hope that through my work and research experience,I can combine the theory and practice of credit risk control,put forward my ideas,and make the credit risk control process management system of credit risk management more complete,so as to improve the bank's credit asset quality.Promote more sustainable and stable development of credit business.