Credit Risk Control In Bank Of Chongqing

Banks as the most important financial institutions, through business deposits, loans, foreign exchange and savings, assume the role of credit intermediation. As a credit agency of its own funds accounted for low this property, the decision itself has a strong intrinsic risk. Deposits and loans as the main business of commercial banks, credit assets as the main source of revenue, the level of credit management will directly affect the core competitiveness of China’s commercial banks high and low level of certainty and risk control. Therefore, to enhance the credit risk control has important significance for China’s commercial banks.Bank of Chongqing as a local commercial bank, not only in common with commercial banks, has the characteristics of the local banks, its main functions and business capital credit services to the main content for local economic projects, and give full play to the hematopoietic function of the local banks. Therefore, the whole process of risk management and control throughout its work, credit work to guard against risks as the core. This thesis aims to study the Bank of Chongqing credit risk control, not only has great practical significance, but has a certain value.This paper first describes the background and significance, and describes the meaning of control theory the status quo on the credit risk of commercial banks on the credit risk of commercial banks at home and abroad, classification, the main causes of economic factors, the bank itself other factors were control status of the credit risk of the Bank of Chongqing, clear and credit of the Bank of Chongqing in the credit risk control management systems, the institutional framework is not perfect, the credit rating system imperfect, the core of risk is the probability of default size of the loan companies.The currently used four models in the empirical analysis, comparison, and found that the Logistic regression analysis the most suitable for the actual situation of Bank of Chongqing. The210loans were selected to customers as samples, determine the14financial indicators as explanatory variables using factor analysis to solve the collinearity problem, then the use of SPSS Logistic regression analysis, regression coefficients are estimated through maximum likelihood, and then come regression model.The results show that the model has the higher correct rate and is good at explaining of results. According to the findings of the model, Bank of Chongqing credit risk control system optimization, and pointed out the direction of optimization and design of Bank of Chongqing risk control mechanism and credit control technology ideas, and finally to make recommendations on strengthening Bank of Chongqing credit risk control. The results have significance at theoretical guiding for Bank of Chongqing credit risk control.