Study Of Microcredit Compang’s Customer Credit Rist Factors

In the micro credit in China’s economy plays an increasingly important role at the same time, more and more factors affect credit customers credit risk. Because a lot of high credit quality customers have been acquiring financial institutions of large banks, to the credit level of loan customers of small loan companies is relatively low, and small loans the company is on loan interest as the main profit income, if the loan return of loans will directly affect the company’s operating condition,it is limited to the collection of overdue payment.The main purposes of this study is to establish a set of simple customer credit evaluation model, from the source to solve the problem of credit risk, effective recognition of loan customers occurrence probability of credit risk, the petty loan company loan business to provide risk control methods. The lack of professional credit review personnel and improve the credit evaluation process of loan company, and effective identification of customers. So not overdue and in order to maintain the stability of the financial market, credit guarantee business smoothly,to conduct a comprehensive analysis of the factors affecting the credit risk of small Credit Company And research, it is of great practical significance to establish a set of perfect customer credit risk assessment model.The main research contents:research literature at home and abroad,screening factors affecting credit level, from the perspective of loan customers, customers from natural characteristics, economic characteristics, analysis of customer credit risk of small loan companies in three dimensions and characteristics of the loan, the loan data of a small loan company for a the research sample, using quantitative method, qualitative analysis,estimate the probability of default loan customer behavior. The first index and descriptive statistics of the data, the whole understanding of the characteristics of data, and then test the correlation of variables in the data, the existence of multicollinearity between the correlation judgment between variables and variables, factors to find out the influence effect of customer credit risk, analysis of the causes of breach of the old customers, new customers to determine loan violations occur can be Energy. Draw between loan customers of the property and credit risk quantification model to ensure that the variables does not exist multicollinearity premise to establish a logistic regression model. Through this model to determine the probability of default loan customers, for small loanCompanies whether lending of loans to customers provide the basis for. Hope so as to reduce the business risk of microfinance companies, so as to create conditions for better and faster development of small loan companies.Research mainly uses the quantitative, qualitative analysis method, combined with the research status at home and abroad, using the correlation test and logistic statistics analysis method, build customer credit risk assessment model, draw the quantitative relationship model between customer characteristics and credit risk.Through the sample analysis and theoretical research, we think that the natural characteristics of loan customers, loan characteristics and economic characteristics will affect the customer credit risk, andthrough the model test of the loan data of a loan company found that the Logistic regression model can effectively identify the letter with bad customers, thereby reducing the credit risk. Therefore, put forward five points suggestions for the current shortcomings of the small loan company: First, the establishment of detailed customer information file. Second, establish a sound credit system database. Third, developed using. Forth, credit evaluation model accurate, efficient, professional ability and technical level to improve the credit staff.Fifth, set up a professional, perfect credit process and risk the control system, reduce customer credit risk of micro Credit Company, to create a good credit environment, and promote the sustained and healthy development of small loan companies.