The Research On Risk Management Of Personal Consumption Credit Of Zhejiang Tailong Commercial Bank X Branch

With the drop of investment growth and the lack of export momentum,consumption has risen rapidly,and has been driving a new round of economic development.At the same time,with the continuous improvement of the people's living standard,people's growing consumer demand and the rapid development of consumer credit business,it is very important for expanding domestic demand,promoting national economic development,improving people's material and cultural life,improving bank credit structure and increasing bank operating profit And so have a very important role.Faced with the ever-increasing demand for credit,commercial banks launched the personal consumer credit service with no loss of time.After several years of development,consumer credit has become a new profit growth point for commercial banks.With the continuous expansion of the scale of consumer credit,its risks are gradually revealed.The most important one is the lack of a credit environment,a legal basis and a risk management system that match the rapid development of the business.At this stage,how to effectively prevent and resolve the risks in the consumer credit business has become a problem to be studied and solved.Based on the investigation of Tailong Bank X Branch,this paper collects the real data of the bank as a sample indicator and uses logistic regression model to analyze.The sample data includes the basic personal information of the business and the basic elements of the loan,in which the borrower's Personal basic information includes:whether the client is performing,the borrower's age,sex,marital status,family annual income,education level,unit nature,whether the household registration is local or foreign,the individual is the urban area is in rural areas;the basic elements of loans include: loans The author analyzes the factors that affect the default risk of personal consumer credit in Tailong Bank X Branch by 11 aspects such as the amount of loan,the term of loan,repayment method and so on.The conclusion of the research is as follows: The study finds that the borrower's age,family annual income,Tailong Bank X Branch consumer credit default impact.At the same time,the marital status of the borrower,the borrower's gender,the nature of the unit,whether the borrower is a farmer or a city,the amount of the loan,the term of the loan,and the repayment method have no significant effect on the default of personal consumer loans at branches.At the same time,we appraise the borrower's scoring model based on age,income,education level and so on,and scoring the forecast data.Finally,based on the results of empirical research,some suggestions and countermeasures are put forwardfrom the point of view of the development of consumer credit business in Tailong Bank X Branch.