Study On The Improvement Scheme Of Personal Loan Risk Management Of Agricultural Bank Of China Gansu Branch

Since the reform and development,China’s economy has taken off,and the level of people’s consumption has been rising.As the three cores of bank operation: retail business,corporate business and financial market,the corporate business that used to be the main source of bank revenue,retail business has gradually become the revenue generating business of banks due to adverse factors such as financial disintermediation,narrowing of interest margin and rising of non-performing rate As an important engine,leading domestic banks have realized the urgency of transformation and gradually increased the proportion of retail business.As one of the state-owned banks,the Agricultural Bank of China Limited(hereinafter referred to as the Agricultural Bank of China)Gansu Branch also seizes the market opportunity and explores on the road of retail reform.Since 2013,the personal credit business has developed at an unprecedented speed.At the same time,the rising of the personal credit non-performing rate makes the Agricultural Bank of China Gansu branch fall into how to develop the personal loan business Meditate.Therefore,how to control risks in business expansion,more importantly how to expand business in new business areas and find new profit growth points will be an urgent problem to be solved in the future.Based on the above research background,this paper reviews the related concepts and theories of personal loan management,draws lessons from the successful measures of domestic and foreign scholars and advanced banks in personal loan risk management,and analyzes the problems and causes in the personal loan business management of Agricultural Bank of China Gansu Province Based on the behavioral research objects;finally,by using the relevant theories and models,through the risk volume The specific content of the improvement plan of personal loan risk management is determined by the ideas of diversification,risk dispersion and risk control.The improvement plan not only has important practical significance to Gansu Branch of Agricultural Bank of China,but also has certain reference significance to interbank financial institutions...