The Research On Personal Credit Risk Management Of SY Rural Commercial Bank

At present,with the NEW NORMAL STATE of China’s economy,competition among financial institutes,like banks,is becoming increasingly fierce.And the emerging liberalization of interest rate is narrowing the interest rate gap between deposits and loans,which constantly shrinking the profit margin of banks.Locally,Liaoning economy is still trying to find its landing ground on the vertical bar of ’L’ shaped growth trend,struggling at the bottom of national statistics for low growth rate.It makes less qualified customers,more liquidated cases including many SMEs and even big SOEs,and huge NPLs and risks for banks.So,it is eminent to increase the risk control ability of commercial banks.Credit risk management,as the most important part of risk management in commercial banks,runs through the whole process of a bank’s credit operation,from risk identification,risk assessment to risk control,including pre loan investigation,loan review and approval,and post loan management.As the first municipal level rural commercial bank in Liaoning,SY Rural Commercial Bank considers personal loans as very important part of credit business and pushes its development vigorously.Therefore,how to effectively manage the risk of the personal credit business has become an important guarantee for the healthy and stable development of SY Rural Commercial Bank itself,as well as to realize its social responsibility of serving rural economy,real economy and regional economy.In order to maintain the vitality of development in the fierce competition,SY Rural Commercial Bank should,on the premise of adhering to market niche of rural and SME customers,comprehensively consider risks,markets,profits and economic cycle,and further evolve,explore,innovate in personal credit business through risk control,industry screening and profit orientation.Through continuous improvement of its risk control mechanism,timely make-up the risk loopholes and short boards,and SY Rural Commercial Bank should constantly improve its core competitiveness of personal loan business.This paper analyzes the current situation and problems of risk management in the personal credit business of S Y Rural Commercial Bank,using the methods of literature review,case analysis.On this basis,the article identifies three categories and nine subcategories of personal credit business risks factors by scrutinizing the credit risk,operational risk and market risk involved in personal credit business.Then,using the combination of AHP and fuzzy comprehensive evaluation method,the risk evaluation system of SY Rural Commercial Bank’s personal credit business is constructed.Finally,the personal credit business risk response measures are proposed.This paper establishes a personal credit risk assessment model based on AHP and fuzzy comprehensive evaluation method,measures the risk of personal credit business,and verifies its effectiveness.It has certain reference significance for improving the bank credit risk management level.