Research On Credit Risk Of Internet Joint Loan Of Small And Medium-sized Commercial Banks

With the development of Internet technology,many technology companies use their own advantages to cooperate with banks to develop joint loan business.However,at present,the problem of joint loan risk of small and medium-sized commercial banks has gradually emerged.This paper mainly provides Suggestions on how to improve the risk control level of bank A in the joint loan business,so as to effectively reduce the risk and promote the healthy development of the joint loan business of bank A.First of all,this paper USES data statistics to show the development status and basic situation of the loan business of bank A.Through the statistics of the average credit amount and sesame score,the pass rate and sesame score,the pricing and sesame score,the access policy,credit policy and pricing policy of bank A's loan of bai joint loan were analyzed.Then through the study of the business operation mode of the loan of the bai bai,the existing problems and risks are found and analyzed,and relevant countermeasures and Suggestions are given.Finally,A systematic analysis is made on the credit risk of the loan to A joint loan,and an evaluation model of the credit risk is established.All dimensions of the loan to A bank are taken as variables.The Logit regression model and decision tree model were used for quantitative analysis,so as to obtain the characteristics of the borrower's default impact factors,discuss the impact of different variables on the default,and put forward the improvement and Suggestions for the existing risk control model.