Research On Credit Risk Management Of Bank A's Personal Guaranteed Loan Business

The rapid development of China’s economy also promotes the development of personal loan business.Various commercial banks have launched various personal loan businesses to meet the different requirements of different groups.But at the same time,due to the bank’s poor credit risks management of personal loan business,it also led to the increase of a large number of non-performing loans,which had a great adverse impact on the development of the bank.Bank A,as a branch of Postal Savings Bank of China,is located in Aba Prefecture,Sichuan Province.Its personal loan business has developed rapidly in the past five years,the total amount of personal loans has been increased,and the types of personal loan business have been enriched.However,the amount of non-performing loans is also increasing,especially the personal guarantee loans.In 2019,the non-performing loan ratio has reached 6.13%.Strengthening the credit-risk management of the personal guarantee loans plays a crucial role in the good development of the personal loan business of the bank.On the basis of defining the characteristics of the credit-risk and the methods of credit-risk management of personal guarantee loan,the thesis analyzes the current situation that what measures have been taken by Bank A to manage the credit-risk of the personal guarantee loan business by using information asymmetry theory and principal-agent theory,and finds out that there are many problems in the risk management organization and its post responsibilities,investigation of repayment ability and willingness of debtors,risk assessment,monitoring of loan capital flow,informing of management of debtors,risk early-warning and risk disposal.And then,the thesis analyzes the causes of these problems,mainly including unreasonable performance appraisal methods,insufficient professional personnel and professional quality,and backward risk management techniques.Finally,in view of these problems and the causes,the thesis puts forward suggestions on optimizing the risk management organization and post responsibilities,improving the risk management awareness and ability of personnel,improving the risk management process,improving the risk management methods and improving the risk management technology.The results of the research in this thesis for the personal guarantee loan credit risk management of Bank A are not only conducive to improving the level of personal guarantee loan business credit risk management of Bank A,but also have a certain reference for other personal loan business and personal loan business credit risk management of other banks.