Research On Credit Risk Management Of Bank X's Individual Operating Loan

"Preventing and mitigating major risks","targeted poverty alleviation" and "pollution prevention and control" are the "three major battles" that general secretary Xi Jinping has put forward to complete the building of a moderately prosperous society in all respects.Since 2017,financial regulatory authorities have issued a number of important regulatory documents,and strict supervision and risk prevention have become the main theme of the current financial industry.Credit business is the core asset business of commercial Banks,and personal operational loan is the main product of commercial Banks to serve the local private economy and serve "agriculture,rural areas and farmers".From the point of the present domestic related literature research,many experts and scholars on how to build and improve the bank's risk management are put forward certain research results,but most is limited to bank internal management aspects of the pure theoretical research,and against the borrower characteristics,the default behavior,and internal employee behavior empirical research is less,the root cause of the risks associated with inductive relying only on theory,the lack of data to support.In this study,Bank X with the goal of "building a large retail commercial bank" was selected as the research object.By analyzing the two sample data,problems existing in the credit risk management of personal operating loans of Bank X were summarized and Suggestions for optimization were put forward.On the one hand,the non-performing loan samples of 1167 personal operating loans of Bank X were selected,and the external influencing factors of the credit risk of personal operating loans of Bank X were analyzed by collecting the causes of non-performing loans.On the other hand,samples of internal employees' irregularities in the operation and management of personal operating loans in Bank X from 2016 to 2019 are selected to analyze the internal influencing factors of the credit risk of personal operating loans in Bank X.Integrated internal and external influence factors,research suggests that the credit risk identification ability insufficiency,the credit risk of cognitive bias,the management performance appraisal is not scientific and the credit risk management process implementation does not reach the designated position,increase the Bank X personal business loan credit risk,operational risk,moral risk and market risk,credit risk.This study applies information asymmetry theory,basket theory,principal-agent theory and other credit risk management theories to put forward corresponding optimization Suggestions for Bank X's individual operational loan business from the perspective of credit risk management,combined with relevant work practice experience.Think through perfecting the credit risk prevention and control system,perfect the talent team construction plan,optimize business performance appraisal system,strengthen the credit business process management and establish the risk early warning and monitoring system,can help improve Bank X personal business loan risk management present situation,improve their personal business loan credit risk management level,to help further reduce Bank X credit risk,enhance profitability.