Research On The Causes And Countermeasures Of Credit Card Installment Business Default

In China，credit cards issuing has been in an explosive growth in the past10years，whichbrings not only an increase in consumption and overdraft balance，but also a higher risk ofpersonal default appearing in a more invisible way under the development of installmentbusiness。For credit card installment business，high profit is always accompanied with high risk。How to make balance between installment business profit and risk has become a problem to mostof the commercial banks。Therefore，it is of great practical significance to start the research ofthe causes and countermeasures of credit card installment business default。In this essay，by studying the credit card installment consumption data in five years ofGuangzhou branch of Bank A with Logistic model，and analyzing sensitive causes to installmentbusiness default from three aspects，including personal level，single consumption staging recordand the macro factors，it concludes that the stage amount of single consumption，the consumergoods industry and a series of macro factors have an unnegligible influence on the credit cardinstallment business default rate。This conclusion has a certain reference for perfecting creditcard risk business。...