Research On Credit Risk Management Of Individual Operating Loan Of Bengbu Branch Of Bank A

Nowadays,the state strongly supports the economic development of individual industry and commerce,and has issued a number of economic policies to promote the development of individual industry and commerce.Under the policy background of Hewlett Packard Finance,financial institutions represented by commercial banks have carried out individual business loan business,which not only opens up new income channels for the development of China’s commercial banks,but also provides financial support for individual businesses and promotes the development of China’s individual and private economy.Personal operational loan business is an emerging business,and commercial banks do not achieve it overnight in the process of new business development,especially for the risk control of various businesses.At present,the non-performing rate and default rate of commercial banks are rising,which brings some pressure to the development of banking business.In addition,the personal operational loan business is different from other credit businesses of commercial banks.The main customers are small and micro enterprises mainly engaged in personal operations.The purpose of the loan is also different.Under fierce external market competition,the personal operational loan business is generally characterized by small scale,scattered credit balance and high risk.Therefore,it is necessary to strengthen the management of personal operational loan risk.As a national joint-stock commercial bank in China,Bank A has always adhered to the concept of serving small and micro enterprises for a long time.With the increase of the scale of Bank A’s personal operational loan business,its credit risk will also increase.In order to strengthen the risk management of banks in personal operational loans,this paper mainly focuses on the Bengbu branch behavior of Bank A.First,a large number of relevant theories and documents at home and abroad are consulted to sort out the theoretical basis for writing this paper.Secondly,it analyzes the current situation of personal operational loan business of Bengbu Branch of Bank A through case analysis,and analyzes the problems in credit risk management of personal operational loan with the help of questionnaire survey.Finally,combined with the actual business situation of Bengbu Branch of Bank A,this paper proposes the risk control measures and safeguard measures for individual business loans,hoping to provide some ideas for the risk management of individual business loans of commercial banks.