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Research on the Personal Business Aiding Loan Risk Management of China Construction Bank Jilin City Branch

Author: WanDaiHong
Tutor: ChenShouDong
School: Jilin University
Course: Business Administration
Keywords: personal business aiding loan risk supervision information verification
CLC: F832.4
Type: Master's thesis
Year: 2013
Downloads: 36
Quote: 0
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Abstract


The personal business aiding loan of China Construction Bank Jilin CityBranch is welcomed by the small and micro businesses once it was launched due toits authorized credit amount, flexible withdrawing and a wide range of uses. Inrecent years, it has gradually developed into a new channel of market expansion andbusiness growth. The personal business aiding loan is concerned with the enterpriseproduction and operating activities, and the source of repayment is largely affectedby the market environment and business management conditions and other uncertainfactors, thus the risk management of the personal business aiding loan not only differfrom the previous risk management of personal loans, but also need to update withthe various policy of the province branch and the headquarters constantly.The paper is trying to introduce the current situation of the personal businessaiding loan risk management of the China Construction Bank Jilin branch in detail,to search for the problems in risk management, to analyze the real source of theproblems, such as the lagging of system construction, badly informationmanagement and supervision. The full text is divided into four chapters, and thepaper is organized as follows.In the first chapter, I introduce the research background, research importance,research conclusion of home and abroad and structure arrangement of the personalbusiness aiding loan risk management of China Construction Bank Jilin branch. Inrecent years, the house price rises too fast, the government has to issue many policiesto control the price. The bubble property which is worried by many economists is like a bomb hanging above the bank loan manager, nobody knows when it will blowup. Therefore, we must strengthen risk management of the personal business aidingloan of China Construction Bank Jilin branch in order to reduce the non-performingloans.In the second chapter, I analyze the current situation of the personal businessaiding loan risk management of the China Construction Bank Jilin branch and theproblems. The balance of the personal business aiding loan of China ConstructionBank Jilin branch Jilin branch is not bad in the city of Jilin, it is welcomed by theenterprises and private owners because of its monthly paid interest which will reducethe borrower repayment pressure. The risk management of the personal businessaiding loan is divided into management before loan, loan approval and managementafter loan. The main problems of the personal business aiding loan risk managementof China Construction Bank Jilin branch is it’s hard to take back the non-performingloan, to verify the veracity of the borrowers’ information, and to supervise the capitalof the borrowers.In the third chapter, I mainly analyze the source causes of the problems in riskmanagement of the personal business aiding loan of China Construction Bank Jilinbranch. The rules and regulations are adjusted slowly which leads to legal risk.Badly information management causes operational risk. Less supervision of theenterprise results in credit risk and other risks.In the fourth chapter, I list some methods and advices to solve the problems inrisk management of the personal business aiding loan of China Construction BankJilin branch, to revise the regulations to adapt to the market, to establish the personalcredit evaluation system, to share data with government departments database, toimprove management system to enhance the supervision.Hopefully,this paper will help in recognizing,analyzing and valuing the risks ofthe personal business aiding loan for China Construction Bank Jilin city branch, improving the risk prevention system and the risk management level,in order topromote the personal business aiding loan rapidly and healthy. By the mean time, itwill help in enhancing the risk control of the personal business aiding loan,decreasing the nonperforming loans and operating legally.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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