The Research On Personal Loan Risk Analysis And Countermeasure Of PFQD Bank

Along with the continuous development of the social economy in our country, increasing income level of residents, and the gradually changed modern consumer attitudes, the development of personal credit business in China’s banking industry gets big leaps, and the banking industry has a rapid development speed. However, the development and the risk come together, with the risk problem getting more serious now. The risk of China’s current imperfect personal credit business risk prevention system of personal credit business of bank has seriously hindered the healthy development of China’s bank. During these years, PFQD Bank adjusted the internal organizational structure and business system many times, devoted many efforts on the development of personal credit business, resulting in the increasing profitability of the business and a trend of rapid development. But at the same time, the banking industry is faced with great risk. For example, the personal credit risk gets serious as a result of the individual housing loans. So the study of commercial bank personal credit risk management problem exposed in the work is a very important subject.The research object of this paper is the choice of PFQD bank, with use of research methods like quantitative method, literature method and so on, the author takes the operation status of PFQD bank as the basis, establishes a risk management model that is suitable for the characteristic of the bank, and puts forward some improvement opinions for some concrete problems. In terms of fully analyze, summarized the advanced management experience personal credit risk management system at home and abroad, with its own development status, create your own personal credit risk management system for PFQD bank, strengthen the normal operation of the banking business, it is very necessary, but also very significant.This paper consists six chapters: the first chapter, introduction, elaborates the research background of this paper and the problem of the actual value. The second chapter introduces the research theory related with this paper, such as the personal credit risk management mode and so on. The third chapter gives a brief introduction of PFQD bank, and points out that exposed the risk management problem in the work and the generation mechanism of risk. The fourth chapter, according to the PFQD bank credit data available, uses logistic regression analysis to assess the model establishment method. The fifth chapter proposes opinions on improvements of the credit risk management of PFQD bank respectively from the overall and local angles. The sixth chapter summarizes the research work of this dissertation, and then focuses on the facal points of the following research work.