Research On Online Loan Risk Management Of Wujiang Branch Of Bank A

Online loan is a key product developed by commercial banks in recent years.It quickly seizes the market with its advantages such as speed and convenience.While providing financial support to small and micro enterprises,it is also a key product of bank inclusive finance.However,because of its new loan model and the differentiated process from traditional credit,online loans have exposed many loopholes in risk management while developing online loans.Risk management is also a strong backing for banks to develop online loans.On the basis of combing the relevant theoretical research at home and abroad,according to the risk management process and risk management theory,taking the online loan risk management of Wujiang branch of bank A as the research object,this paper introduces the current situation of the development of online loan business of Wujiang branch of bank A,diagnoses the online loan risk management,analyzes its reasons,puts forward targeted optimization schemes and provides relevant guarantee measures.The main conclusions of this paper are as follows: the main problems of online loan risk management of Wujiang branch of bank A are poor risk identification ability of customer managers,inaccurate online data,lack of professional ability of risk managers,inaccurate online loan approval model,formality of on-site inspection,poor effect of off-site inspection,simple signing of online loan contract and difficulty in online non-performing loan collection.In view of the above problems,it is analyzed that the reasons are inadequate communication and coordination between departments,lack of high-quality talents,deviation in assessment and incentive,and asymmetric information.According to the reasons,the optimization scheme is put forward.The first is to strengthen the professional quality of customer managers and strengthen the standardization of data governance.Second,optimize the allocation of credit managers and improve the online loan approval model.Third,multi-dimensional assessment of post loan risk management,using data for whole process risk management.Fourth,strengthen the normative review of contracts and the collection of non-performing loans.Finally,three measures are formulated to ensure the implementation of the optimization scheme.