Research On Risk Management Of Qingdao Y Bank’s Personal Credit Business

With the vigorous development of China’s economy and the continuous improvement of residents’ consumption ability and consumption level,consumption upgrading and credit expansion Inot only provide development opportunities for commercial banks’ personal credit business,but also bring new challenges.In recent years,the leverage ratio of China’s residential sector has increased year by year,and the gap between supply and demand of personal consumer credit has continued to expand.It is imperative for commercial banks to provide professional and diversified personal credit services for individual depositors.However,the domestic personal credit business started relatively late.There are still problems such as the absolute proportion of personal housing loans and the high default rate of personal credit cards.While accurately serving individual customers and obtaining the income of on balance sheet business and intermediary business of credit business,it is particularly important for commercial banks to prevent and control the potential risks of business.Qingdao Y Bank adheres to the strategic goal of "light banking" and develops customer-oriented retail business.The scale of individual loan business of the bank takes a leading position among similar local commercial banks,with a high market retention rate,and the potential risks it faces are representative and typical.Therefore,this article will Qingdao Y bank as the object of case study,the integrated use of literature analysis,case analysis,empirical analysis and other research methods,clear the bank personal credit business existing risks of the business,and put forward coping strategies and risk control methods,research conclusion for the commercial Banks to prevent and defuse the risk business,improve the risk management system to provide the reference for reference.Firstly,this thesis introduces the current situation of personal credit business of Qingdao Y bank,and puts forward four existing problems according to the business process:The credit evaluation of individual customers is insufficient,the supervision of third-party institutions is insufficient,the operation standardization of banks is insufficient,and the identification ability of fraudulent transactions is insufficient.At the same time,PEST method is used to analyze the new challenges of political environment,economic development,social environment changes and financial technology to business development.Then,it discusses the five types of risks involved in the personal loan business process of Qingdao Y Bank:the risk of pre-loan execution,the risk of information maintenance in loan,the risk of post loan monitoring and management,the risk of insufficient construction of rules and regulations,and the risk of lack of cultivation of credit risk culture.On this basis,aiming at the above risks,this thesis puts forward the design scheme of Qingdao Y bank’s personal credit business risk monitoring system,constructs a logistic model to evaluate the credit rating system of personal credit customers,establishes a closed-loop monitoring system for personal credit business risk,and innovates and explores the risk control mode from local micro individuals to the macro framework of the whole Bureau.Finally,this thesis puts forward four policy suggestions:improve the personal credit risk rating system,improve the internal management process of personal loan business,strengthen the internal control of the process involved,and speed up the collection and disposal of non-performing loans.The research conclusion provides theoretical support and feasible suggestions for Qingdao Y bank and similar commercial banks to improve the level of personal loan credit risk management.