个人信贷业务风险管理问题与对策

Issues and Countermeasures of Personal Credit Business Risk Management

本文在对个人信贷风险管理理论研究进行总结归纳的基础上,对某银行个人信贷业务中存在的问题及其原因进行了分析,并提出了完善银行内部预警与评分机制、提升风险管理理念、开发低风险客户群体、强化个人贷款担保管理等对策建议。

The paper studies the development of personal credit business of a branch of Postal Savings bank of China and finds that the risks in personal credit are too serious to be ignored. Therefore, it puts forward the countermeasures such as perfecting bank＇s internal early-warning and grading mechanism, advancing risk management idea, exploring low risk clients and strengthening personal credit guarantee management.