Research On Optimization Of Risk Evaluation Of Individual Customers In GRNS Banks

As a local rural commercial bank,GRNS bank is facing the problems of difficult operation transformation,unbalanced credit structure and rapid growth of non-performing loans.In order to reverse the current operational difficulties,the focus of its credit business has been shifted to the expansion of personal loans,but the corresponding personal customer risk assessment work is difficult to provide support for the expansion of personal loan business.In order to improve the scientificity and rationality of GRNS bank's personal customer risk assessment,this paper analyzes the current situation of GRNS bank's personal customer risk assessment,finds problems in personal customer risk assessment,studies measures to optimize the bank's personal customer risk assessment,and verifies the operation effect of the optimization measures through empirical analysis.This paper mainly from six parts of GRNS bank personal customer risk assessment optimization research: the first part,mainly introduces the research background and significance,domestic and foreign research status,the basic framework of the paper,research methods and technical routes;the second part,mainly introduces the commercial bank personal customer risk assessment theory,including commercial bank personal customer risk and assessment The third part is the analysis of the current situation of GRNS bank's personal customer risk assessment,focusing on the analysis of its problems and causes;the fourth part is about the optimization of GRNS bank's personal customer risk assessment,mainly on the optimization of personal customer risk assessment indicators,as well as other comprehensive measures;the third part is about GRNS bank's personal customer risk assessment In the fifth part,it mainly analyzes the application of the optimization scheme,using the new and old methods of personal customer risk evaluation to evaluate the listed personal customers,and analyzes and compares the results.The sixth part is the conclusion and prospect.It summarizes the whole paper,analyzes the achievements and shortcomings of this study,and puts forward the prospect of this study.The innovation of this paper is to optimize the personal customer risk assessment,aiming to promote the GRNS bank's personal customer risk assessment work more perfect and scientific,and promote the smooth development of personal credit and related businesses.