牡丹江市邮政储蓄银行个人信贷业务风险防范对策分析-analysis on countermeasures to prevent personal credit risk of mudanjiang postal savings bank.docxVIP

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牡丹江市邮政储蓄银行个人信贷业务风险防范对策分析-analysis on countermeasures to prevent personal credit risk of mudanjiang postal savings bank.docx

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牡丹江市邮政储蓄银行个人信贷业务风险防范对策分析-analysis on countermeasures to prevent personal credit risk of mudanjiang postal savings bank

AbstractToday,economicg1oba1izationisbecomingincreasing1yevident,soasanimportantpartofeconomicdeve1opment,thebusinessstructureofdomesticandinternationa1bankingisa1soconstant1ychanging.Andbecauseof1esscapita1consumption,personalcreditisincreasing1yfavoredbymanycommercia1banks.1otsofcommercia1bankshave1aunchedthisbusiness,andthecompetitionbetweenthemisbecomingmoreandmoreintense.WithChinasaccessiontotheWTO,openingupofthebankingsectorandtheentryofforeignbankshavebecomeanindisputab1efact.Chinascommercia1bankshavetofacesuchanopensituation,facetoughcompetitioninthemarket,sowehavetobothguardagainstcreditriskandstrengthenthedeve1opmentofpersonalcredit.Inthispaper,MudanjiangbranchofPosta1SavingsBankofChina(PSBC)isusedasaresearchbackground,andthepersonalcreditriskmanagementwasstudied.First,weintroducetheconceptsandtypesofpersonalcreditandcreditriskindetai1.Basedonthis,weconductadetai1edana1ysisandcommenttotheenvironmentanddeve1opmentofpersona1creditindomesticandforeignbanks,andafurtherresearchaboutthecorrespondingriskmanagementissuesofdomesticcommercia1banks.Afterse1ectingMudanjiangPosta1SavingsBankasaconcreteexamp1e,byana1yzingthecurrentsituationofthepersonalcreditbusinessinthebank,itsspecificcharacteristics,andthestatusofriskcontro1andmanagement,wefindtheshortcomingsofriskmanagementinpersonalcreditbusinessinthisbank.Andbyintroducingandapp1icationtheSWOTmethod,thestrengths,weaknesses,opportunities,andthreatsofthePosta1SavingsBankofMudanjiangbrancharerevea1edthroughadetai1edandthoroughinquiry.Fina11y,weinherittheideaofear1ierresearch,andrecognizetheriskmanagementstatusandtheexistingprob1ems,findthegoa1ofconstructingcreditriskmanagementsystem,givesomereasonab1eandtargetedadviceandviewsforpreventingandreducingthecreditriskofMudanjiangPosta1SavingsBank,suchasstrengtheningsupervision,improvinginterna1contro1,standardizingoperation,improvingstaffqua1ityandriskawareness,strengthenthe1ega1regu1ation,thoroughinvestigationandmanagement,expandingresearchextent,improvinginformation,stren