Research On Risk Management Of Personal Consumption Credit Of Internet In Commercial Bank

Along with the deepening of market interest rates,and the widely application of Internet technology,the consumer credit market in China is developing rapidly,with flowers,white ants chant Jingdong as the representative of the Internet credit products to create a new mode of consumption credit,and investment,transportation,construction bank as the representative of the traditional banking industry,in the face of fierce the competition,also launched a "lightning credit","e credit online" and"quick loans" and other new Internet credit products.The face of massive customer groups,how to achieve precise positioning of the target population,accurately identify the risk of customers,effective prevention and control to realize the steady development of credit and credit risk,become a key problem in the development of commercial banks,the core content of this paper is to study the.First of all,this paper expounds the connotation of credit risk and the content of risk management theory in personal consumption credit,and reviews the development process and relevant research of personal credit risk prevention and control at home and abroad.Secondly,this paper selects the domestic credit business of H bank as the research object,the status of the individual consumer credit products and business development are analyzed,and the application of logistic to analysis carries on the analysis to the H Internet banking credit business data,find the personal credit default key features of the customer,and constructs a set of personal credit risk score model,and as a basis for commercial banks to strengthen credit risk prevention and control,and puts forward some measures and suggestions to improve the customer identification and risk management mechanism,in order to provide reference and evidence for the management of commercial bank credit industry.