The Research On The Risk Of Consumer Credits For Commercial Bank In China

In recent years,the GDP of our country economic growth rate began to slow down,overcapacity in the industry spread,the risk of SMEs increase,all of these incentives lead to commercial bank's non-performing assets and non-performing assets rate continue to grow up.Bank credit business tends to be conservative,as the core business focus gradually will be transformed from corporate banking for consumer finance.At this stage,the consumer finance has become the main source of profit for commercial bank.However,with the slump,unemployment rate rising gradually and the potential risk of consumer credit continue to rise,how to evaluate the customer's credit risk and improve consumer loans bearing while the amount of default risk reduction is the core of the problem to the current banking industry which want to develop consumer finance business.The main purpose of this paper is combine the logistic regression model and scientific research methods from sample summarized and summed up the factors mainly affecting consumer credit risk and provide reference for the effective consumer credit risk assessment methods by taking the bank consumer loan samples as the research object.In addition,this paper combined the research motive with the purpose of this thesis to establish the research method and the research logic,and accordingly establish the research hypothesis through literature review in order to design a suitable research framework in the premise of introduced the research status of domestic and foreign consumer credit business development status and credit risk assessment.Finally,according to the characteristics of consumption credit in our country,this paper make evaluation and research based the consumer credit in China.At last,The results showed that guarantee methods,the implementation of interest rate and floating interest rate,which in the personal credit information,have a significant effect on the consumer credit risk,through data for the study were collected and tested.And it shows that the implementation of guarantee,low interest rates and higher floating space can reduce consumption of credit risk of default.Based on the conclusion mentioned above,this paper proposed suggestions from three aspects: strengthen credit risk assessment,management,monitoring and so on three levels respectively on the basis of the development of consumer credit in domestic and foreign commercial banks.These suggestions included hierarchical risk assessment,improve internal information management system,using a large data prediction and evaluation,implement comprehensive risk management system,use Internet technology to realize real-time risk follow-up,reform the bank's internal process reform,establish consumer credit database and follow up industry dynamic update index etc.All of these suggestions are provided as reference for the commercial banks which want to prevent and resolve the credit risk,hoping which can improve the consumer credit management of commercial bank.