Study On The Factors Of Consumer Loan Default In Bank J

Due to the decline of the real economy and the government's control over the real estate market and the government financing platform,commercial banks have little room for the development of Public loan.Personal consumption loans will be an important development direction for commercial banks in the future,will be the next broader and urgent market for commercial banks.Under this background that Internet finance such as Ant Financial Services Group,Webank and JDDigits grab off the consumer loan market,how to develop the personal consumer loan business rapidly is the focus of business transformation of commercial banks.However,the bad rate of personal consumption loan is higher than that of housing mortgage loan,so how to control the credit risk of personal consumption loan scientifically and reduce the bad rate of consumer loan is the key for commercial banks to develop their personal consumption loan business healthily and steadily.In order to control the credit risk of consumer loans,commercial banks are exploring the establishment of their own customer credit rating system.We find that the credit risk assessment model of consumer loans established by J Bank by external institutions is too simple to divide the independent variables into different levels.The change of the final scoring result of the model is only a jump-type score addition and subtraction,focusing on qualitative analysis.“KYD”,the most important consumer loan product of J Bank,is only a few qualitative dimensions,which can not quantify the credit risk of customers more carefully and accurately.In view of this,this paper uses the binary dependent variable regression model to analyze the known customer data of Bank J,and to study the impact of customer characteristics on consumer loan default.By adjusting the model and parameters continuously,the paper achieves better fitting effect,and confirms that there is a clear relationship between customer attributes and customer default.In the future,if the key data such as customer credit reporting can be supplemented,this study is expected to develop into a quantitative model of J Bank's consumer loan credit risk assessment,which has high application value in the future development of consumer loan business.