Research On Optimization Of Risk Management Measures Of Retail Credit Business Of J Branch Of Bank A

Accompanied by the real estate industry rising and house prices rising,more and more natural to buy homes and start borrowing from Banks,an important phenomenon is the consequent personal loan business of commercial bank credit business of the country’s size is bigger and bigger,personal loans in the proportion of the total credit is increasing.In the face of the sudden outbreak of COVID-19,in order to stabilize the smooth operation and development of social economy,with the support of the government,commercial banks across the country began to gradually relax the lending threshold restrictions on small and micro enterprises,and the proportion of loans to small and micro enterprises increased rapidly.Personal loan and inclusive finance business has become two pillar products of commercial banks in retail credit.To cater to the trend of The Times,commercial banks began to actively develop retail credit business and developed it into an important source of profits for commercial banks.But at the same time,it also brings a very important problem,that is the increasingly severe situation of retail credit risk management.In particular,the subprime crisis in the United States has indeed sent a risk warning signal to the development of credit business of commercial banks in China,and put forward higher management requirements for the risk management of retail credit business of commercial banks.In the current financial market situation,it is very necessary to strengthen the risk control of retail credit business and ensure the healthy and stable development of retail credit market.A bank as A joint stock commercial Banks,the nature of the securitization,is A relatively young,the risk assessment approach to be perfect,some problems such as risk control process negligence,lead to the lack of risk management measures of system support,the retail credit operation is not standard,unreasonable organization structure,incomplete identification system and so on all sorts of problems,Risk management as a whole is inefficient.To this end,this paper carries out an example analysis of BANK A and BRANCH J,Proposes establishing and perfecting the retail credit object access system,attaches great importance to the retail credit business,the person in charge for the improvement of professional quality and ability,based on the logit model to perfect the risk assessment mechanism,formulate scientific and reasonable risk assessment scheme,improve the retail credit risk early warning and response mechanism,to retail credit business risk classification of assets to be more detailed,positive disposition of non-performing assets,Improving the collection management mechanism and other measures provide practical suggestions for improving the retail credit risk management of BANK A and J Branch.It also has certain guidance and practical significance for the improvement of retail credit risk management measures of joint-stock commercial banks in China.