Empirical Analysis On The Influencing Factors Of Personal Loans 'Risk In Commercial Banks

In recent years,with the continuous development of China's economy and the increasing personal consumption,the demand for personal loan business has been increasing.In the personal credit business of commercial banks,risk management and control has always been a key and difficult issue.The personal loan risk is not only related to the default rate of the personal loan business and the overall development of the business,but also adversely affects the commercial bank's business objectives and profit growth.At the same time,the supervision and management of personal loan risk is one of the important components of the management of the entire credit system of commercial banks,and it is also one of the contents that must be paid attention to in the continuous expansion of personal loan business.Based on this,this paper takes the influencing factors of personal credit risk of commercial banks as the research topic,and analyzes and discusses the main risk points and influencing factors of personal credit business in the case of empirical analysis of LW support behavior of China Construction Bank.The research in this paper is divided into five parts to elaborate.Firstly,it expounds the background and research significance of the research topic of the influencing factors of personal loan risk of commercial banks,and clarifies the ideas,contents and methods of this paper,and analyzes the innovation and shortcomings of the thesis.Secondly,it discusses the basic research content of personal loan risk,including personal loan risk concept,personal loan risk characteristics and risk classification.Combined with domestic and foreign research literature,this paper further adjusts the research content and clarifies the research objectives.Thirdly,it analyzes the risk management and influencing factors of personal loans of CCB LW branches,and summarizes the basic situation and risk management of personal credit business of CCB LW sub-branches.On the basis of summarizing the current personal credit risk management work,the main risk influencing factors are carried out.Analysis and conclusion.Fourthly,an empirical analysis of the factors affecting the personal loan risk of CCB LW branches,based on the data provided by the personal loan center of the branch,using the 2001-2016 statistical data as the data source,using the multiple linear regression analysis method to construct a linear regression model,and According to the statistical tool analysis results,the model correlation and significance are tested,and the empirical analysis conclusion is obtained.Finally,based on the empirical analysis,the improvement and improvement of the risk management of personal loan business of CCB LW sub-branch is discussed from the aspects of credit risk management,loan review,operational level improvement,risk prediction and control,and awareness of breach of contract.