The Research On Personal Consumption Credit Of Industrial And Commercial Bank Of China YYS Branch

Since the international financial crisis in 2008,the issue of consumer credit risk caused by the US subprime mortgage crisis has attracted extensive attention all over the world.Under the new economic norm,with the condition of economic downturn,various of commercial banks have transformed their business into retail business that lead to the rapid increase of the household leverage ratio and total amount of consumer credit.Due to the price of real estate of China remains a high level,while the most of consumer credit were made up of housing loan,consumers were more willing to take a housing loan caused the increase of household leverage ratio since 2015 which lead to the accumulation of consumer credit risk.So it has an important significant on both theoretical and practical aspects to accurately identify and take an effective and reasonable control of consumer credit that under the realistic condition of fighting the “there though battles”.Firstly,this paper explored the meaning,type and characteristics of the risk of consumer credit and divided the factors into three aspects which concluded macroeconomic factors,factors from the bank and consumer personal factors.Secondly,taking the consumer credit of ICBC YYS branch as the specific analysis object,and introduced the condition of ICBC YYS branch with its consumer credit business and risk status.Then,analyzing the factors which affected the consumer credit of ICBC YYS branch from three aspects mentioned above.And found out that it is the personal factors of consumer that influence the risk of consumer credit of ICBC YYS branch.So the author chosen 12 indexes to empirical test whether the personal factors of consumer have an impact on the risk of ICBC YYS branch's consumer credit by binary logistic regression based on the data of personal consumption credit of ICBC YYS branch from 2012 to the second quarter of 2018.The conclusion was that there were 9 of these 12 indexes which have an impact on the risk of consumer credit in different significant level.At last,the author proposed some relative countermeasures for the specific situation of ICBC YYS branch based on the empirical results.The case study of specific consumer credit risk of ICBC YYS branch Is the difference between this paper and similar research from domestic and abroad.And the author believed that under the circumstances in current China,it is the personal factors that effect the consumer credit risk within the grassroots branches of commercial banks but neither macroeconomic factors nor factors from the bank.