Research On Factors Affecting Credit Risk Of Personal Credit Card Of Bank A

In recent years,the amount of personal credit cards issued,the amount of credit granted,and the amount of credit used by commercial banks in our country have been rising continuously,which has brought more benefits to banks and gradually become a new profit growth point for commercial banks.However,China's personal credit card business still has the problem of extensive operation mode.Commercial banks generally take increasing the number of cards issued and customers as the most important business evaluation index.In order to complete the index tasks,there are some phenomena such as simplifying card handling procedures and increasing credit line.They compete for customer resources by lowering the threshold,and the risks arising therefrom are also constantly diversified,which to a certain extent increases the difficulty of risk management of personal credit cards.This paper studies the credit risk influencing factors of personal credit cards from the aspects of bank internal risk management and personal characteristics of cardholders.Based on factor analysis of 168 cardholders of bank who have overdue situations,this paper studies 20 influencing factors of such customers,and concludes that the factors affecting credit card personal credit risk can be divided into seven categories:education quality,life characteristics,liabilities,repayment willingness,working conditions,economic income and fixed assets.From the statistical analysis of bank A's data,it is found that the classification of influencing factors of personal credit card credit risk is inversely proportional to the overdue rate.The overdue rate of women is much lower than that of men.Judging from the marital status,stable marriage makes the credit status of family members better,and the overdue rate of unmarried people is higher than that of married people.Those who have not signed an automatic deduction agreement are more likely to be overdue than those who choose the minimum deduction,and the overdue rate of repayment by choosing the full deduction method is lower than that by choosing the minimum deduction method;The overdue rate of non-real estate is higher than that of real estate,and the overdue rate of low-value real estate is higher than that of high-value real estate.The lower the income,the more unstable the job is,the worse the credit situation in the past,the more likely the person with overdue records and the higher the frequency of missed calls is to be overdue.It is suggested that the issuing bank should incline to the lower credit risk customer groups with high education level,good financial condition and no bad credit records,and strengthen the authenticity verification of these factors to reduce the losses caused by information asymmetry.