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

With the progress and development of China’s economy, China’s banking sector is currently showing a leap in the growth rate, while the share of the risk and coexist. Increasing the current income level of the residents, and the residents of modern consumer attitudes gradually change, China’s banking industry and thus bring rapid development of consumer credit business, and the development and risks, our country is not perfect under the current consumer credit business personal bank risk prevention system credit risk seriously hindered the healthy development of China’s banks. QDZS bank for years conducted an internal organizational structure, business system, and a lot of times to improve and adjust to the development of consumer credit business devoted a lot of effort, increasing the profitability of the business, while showing a momentum of rapid development. But in the meantime, the banking industry is also facing great risks, such as consumer credit risk as a result of individual housing loans. According to statistics, the bank nearly a decade of bad debt rate is about 20 percent, the bank therefore bear no small loss. Therefore, in-depth study of commercial bank personal credit risk management in the problems exposed is an important issue has practical significance.The object of study is selected QDZS bank, using quantitative research methods,literature, etc., the author of the operating status QDZS Bank as the basis for the establishment of the bank’s risk management model characteristics, and made for a number of specific issues improved observations. In this paper, the credit risk management theory, fully learn from large commercial banks management tools and experience to deal with credit risk,combined with practical, on QDZS bank personal credit risk management in the problems and causes of these problems in-depth analysis, QDZS proposed bank personal credit risk management of its own institutional defects exist currently, risk monitoring are not effective,the borrower strict, personal credit approval is not high degree of automation, personal credit risk management needs to be strengthened quantification issues, and proposed from floating loans to establish a scientific risk-based pricing mechanism; the establishment of a scientific and efficient personal credit rating system; the implementation of several large loans angle collective assessment system, strengthening the Group’s loan approval and restraint mechanisms, etc. are given credit risk prevention and treatment of a number of countermeasures.This paper focuses on the one hand, according to QDZS existing bank credit data, using logistic regression analysis to establish the evaluation model. On the other hand, this paper as a whole, the local perspective on the two banks’ credit risk management QDZS proposed improvements to optimize individual credit risk management. The innovation of this study lies in the basic indicators of individual credit capacity was quantified by scaling method ofapplication the borrower’s age, size, education level, profession, annual income, repayment period, repayment and other ways to make further Quantitative Analysis.