Author(s)

Yating Ke, Xuefei Yu

Corresponding Author

Yating Ke

ABSTRACT

With the rapid development of personal consumption credit business of commercial banks in China, personal consumption credit default events occur from time to time. Therefore, the risk assessment technology and management ability of personal consumption credit of commercial banks need to be improved. In this case, it has important theoretical value and practical significance to comprehensively and systematically study the personal consumption credit risk theory and personal consumption credit evaluation. This paper studies the credit risk management of personal consumption credit from the stages of identification, evaluation, early warning and control of the credit risk management process of personal consumption credit. This paper combines theoretical discussion with data analysis, and takes "risk identification-risk evaluation-risk control" as the main line to carry out research. First of all, starting from the concept of personal credit business and credit risk, this paper analyzes the causes of personal consumption credit risk of China Construction Bank, And summarizes the general methods and specific analysis points of credit risk identification of China Construction Bank. Finally, this paper puts forward some corresponding suggestions on the prevention and control of personal consumption credit risk.

KEYWORDS

Interest game, Risk prevention, Credit