The Research Of The Trust Loan’s Credit Risk Control

In China, the Trust is the only industry of the financial sector which can go across the capital market, the monetary market and industrial market, with the establishment of the "Liangfayigui" as well as five years of Chinese trust industry consolidation,the Trust industry returns to his origin and develops rapidly,in the past year of 2012,its assets approaches as much as 7.47 trillion so that it surpasses the insurance sector to become the second largest financial sector,its growth rate even richs 50%for the past five years, The rapid development of Trust has caused widespread concern in society,and its flexible investment approach, its broad area of investment are also sought after by the other financial sectonHowever, the concern of risk comes day and day with its rapid development, trust risk cases have occurred in the past years, especially the risk of China Credit case caused a great deal of attention of the society.Although it is resolved successfully finally, Development and risk control of the Trust has become a problem that must be addressed.how to control the risk with the rapid growth,how to Eliminate the risk at the first time of the project are the questions which the Trust has to answer. In all risk Credit risk is the greatest risk of trust security payment loan program, so the study of trust loan credit risk also imperative.This paper sums up the features of the trust industry and the characteristics of the trust loans after introducing the reasearch of credit risk at home and abroad, Finally, according to the characteristics of the trust industry in China we choose the Logistic model analysis and deepen the Logistic model,by introducing quadratic terms and cross terms. Then,we Chose a trust company in 2013,150 trust loans data modeling and validate the accuracy of the model, finally we find that the introduction of quadratic term and cross terms can improve the accuracy of the Logistic model. Finally, according to the article model derived factors that influence trust loan credit risk, and Analysis the factors affecting the interpretation.at lase. the author gives the advice to T Trust loan projects for the control of credit risk proposals.