Analysis Of Personal Loan Risk Management Of BZBC Branch Of Postal Savings Bank

Most of the contemporary commercial banks are comprehensive banks,among which personal credit business is one of the main businesses of each bank.The banks that start credit business will invest more research and development funds in personal credit products to meet people’s increasing demand for credit with innovative products.At present,China’s financial order is relatively good,the economic and social development environment continues to improve,personal credit business with its huge customer base and considerable loan balance,is an important starting point for the development of financial institutions.However,we should also see that commercial banks carry out personal credit business with various risks,and there are many problems in business model,credit evaluation,fund return management,laws and regulations,mortgage loan selection and other aspects.How to prevent and dissolve risk,improve credit business structure and strengthen credit asset quality management have become the focus of attention of commercial banks.Postal Savings Bank set up late,its main business is to provide individual retail financial services.Postal Savings Bank has typical significance in developing personal credit business and actively adapting to risk changes.This paper takes BZBC Branch of Postal Savings Bank as an example.First of all,domestic and foreign scholars carry out research on personal credit risk management theory,sort out and summarize the development process of personal credit risk management theory,clarify the status quo and existing problems of personal risk management theory,and explore the refined theory and practice of personal credit risk management research.Secondly,taking BZBC Branch of Postal Savings Bank as an example,the paper expounds its overall operation status,focuses on the current situation of risk management of personal credit business,analyzes the risk management process by case analysis,and makes clear that important risk points such as policy,management and operation should be paid attention to.Expert scoring method and analytic hierarchy process were adopted to study the next step of risk optimization and improvement programs and put forward suggestions and suggestions for solving problems.Thirdly,the fuzzy comprehensive evaluation method based on analytic hierarchy process is used to study the risk management of personal credit business,assign weights to each key element,establish a comprehensive evaluation index model,and rank the risk management elements of personal credit management according to the evaluation score based on the above research results.It is concluded that the top three indicators are the situation of risk supervision in place,the seriousness of post-loan inspection and the rationality of credit structure.Finally,around the influence factors of risk management solutions,from the management mechanism,optimize the performance appraisal,improve the credit personnel ability takes office,and adjust the credit structure to improve,improve risk control,to promote sustained,rapid and healthy development of personal credit business,raise the market competitiveness of BZBC Branch of Postal Savings Bank has a certain practical significance.