Study On Personal Credit Risk Management Of Bank A In The Context Of Digital Transformation

With the advent of the digital financial era,banks’ traditional methods of pre-lending identification,mid-lending evaluation and post-lending inspection can no longer meet the increasingly complex needs of personal credit risk management.This paper takes Bank A as the research object to study the current situation and problems of its credit business management,and combines digital technology to apply digital transformation to personal credit risk management throughout all aspects of front-end customer acquisition,mid-loan approval,and post-loan management in order to achieve efficient process,accurate management,and controllable risk.Firstly,this paper introduce the research background and significance in detail,and through literature reading,recent related researches are sorted out and reviewed,from which the parts that still need to be improved are excavated,leading to the significance and feasibility of this paper,and the research method and technical route of this paper are determined.From a theoretical perspective,the concept of the main research object of this paper is explained,and the main theories involved are elaborated to discuss the impact mechanism of digital transformation on the potential risk of personal credit;from the content of credit risk management,the mechanism of the role of digital technology on credit risk control is analyzed to lay a solid theoretical foundation for the research of this paper.Secondly,the analysis of the current situation and problems of risk control of personal credit business of Bank A.The current situation of risk control of personal credit business of Bank A is analyzed,and the current situation of construction and application of digital technology in each stage is organized from three stages of pre-credit risk identification,risk assessment during credit and post-credit risk control,and the problems and shortcomings of risk control management of personal credit business of Bank A under the background of digital transformation are analyzed.Finally,the design of the digital transformation program of personal credit business risk control of A Bank,discussing the specific construction program of the digital transformation of personal credit business risk control of A Bank,including the basic platform,process transformation,risk control system,and digital transformation of key links,as well as the corresponding guarantee measures from the aspects of culture system,organizational change,data support,and talent team.