Research On Credit Risk Management Of NX Bank Xi'an Branch Under The New Normal

China's economy has entered a new normal stage by the rapid growth stage,the financial sector is also affected by this,in general,no longer maintain rapid growth.Under the new normal,commercial banks will face more risk factors and greater risk management pressure.The credit risk is produced in commercial bank loan risk,the commercial banks in the credit business increment significantly,but the asymmetric information and the operation procedures resulting from the improper phenomenon,to the commercial bank loan business risk.Bank of Xi'an Ningxia branch is a medium-sized city commercial bank in Xi'an,which is also facing the pressure of credit risk management.In this paper,based on the relevant theories of bank credit and risk assessment of business,analyzes the current situation of credit risk management of Ningxia branch of Bank of Xi'an,and select the Logistic regression model,using SPSS statistical analysis software for Ningxia on the part of the Xi'an branch of the bank loan customers of the regression analysis,analysis of the loan evaluation index,from the analysis of the problems of Ningxia Xi'an branch of the bank loan risk assessment.At the same time,in view of the above problems,this paper puts forward some relevant measures to guarantee the implementation scheme of credit risk management of Ningxia bank Xi'an branch,according to the front on the bank's credit analysis and evaluation,put forward safeguard measures of how to improve the key problems of credit risk management.In this paper,the Logistic regression model was introduced to evaluate the risk of credit factors,comparative analysis found that "health" and "purchase for only two sets of housing has not been attached importance to the evaluation index.Based on the conclusions of this study,combined with foreign advanced risk assessment model,the credit risk assessment system has been improved,which can be used as a reference for preventing the loss of commercial banks.