Research On The Improvement Of Personal Consumption Credit Risk Management Of C Bank

The 19 th National Congress of the Communist Party of China work report pointed out that our country’s economy has been developed from high speed development stage to high quality growth stage,we should adhere to quality first,efficiency first,making supply side structural reform as the main line,promoting the quality change of economic development.At the same time,after the epidemic,Premier Li Keqiang said in his government work report that China is a country with a large population,and there is rich potential in consumer consumption.We should give full play to this advantage and use the consumer market to boost domestic demand from the perspective of demand.For the commercial Banks,support for consumer credit in the field of obligatory,however,with the speeding up of the financial globalization and market-oriented interest rate reform,the meteoric rise of the Internet financial enterprises of commercial bank’s traditional business model caused great impact,based on this background,commercial Banks,gradually shift strategy position,On the one hand,the customers from the past big company group to retail market,on the other hand from the process is relatively complex,high economic capital to take up the real estate market to process is convenient,the personal consumption credit business risk is relatively small,financial technology,innovation of personal financing mode,to create the complete customer’s credit loan products online operation,Shift the focus from corporate loans and personal home loans to consumption.However,with the expansion of the scale,the original risk control system has been unable to meet the requirements of business development,the non-performing rate of consumer loans is high,before and after the loan link has encountered bottlenecks,how to solve such problems is imminent.Based on the analysis of the current operation status and risk management status of personal online consumer loans of C Bank,combined with the comparison with Internet financial enterprises,this paper applies the theory of credit vulnerability,the theory of expected income,the theory of risk control and other guiding ideas,from the pre-loan risk identification ring,risk assessment link,The risk monitoring link in the loan and the post-loan risk control and treatment link respectively pointed out the existing problems,and by improving the risk model,strengthening the loan monitoring and promoting the judicial process and other means to improve the maximum extent of the framework of risk management,so that it is no longer apparent.Finally,it puts forward external guarantee measures such as perfecting the construction of Internet legal system,laying a solid foundation for the current improvement strategy.In this way,the personal consumption credit business of commercial banks can develop steadily against the background of increasingly strict regulation,pointing out the direction of risk management research of other commercial banks or financial institutions,and escorting the personal consumption market advocated in the post-epidemic era.