Research On The Optimizing Strategy Of Personal Credit Risk Assessment Of Bank Z Binjiang Branch

The report of the Nineteenth National Congress of the Communist Party of China points out that preventing and resolving maJor financial risks is one of the three key battles at present,and effective prevention and resolving of financial risks is an important topic at present and in the future.With China's economy entering a new normal,economic growth slows down,various uncertainties increase,and credit risk presents a complex and changeable situation.Influenced by many factors at home and abroad,the balance of non-performing loans and the rate of non-performing loans of commercial banks in the whole country have been "double-rising" since the fourth quarter of 2011,and the quality of assets of commercial banks has declined.As one of the main assets business of commercial banks,personal loan business is an important channel for commercial banks to generate income.With the rapid development,the quality of credit assets is exposed.If credit risk can not be effectively prevented and controlled,the role of "financial accelerator" will have a huge impact on the entire financial system,affecting financial stability.Effective assessment of individual credit risk is of great significance to banks,regulators and even to the financial stability of the whole society.On the basis of reviewing personal credit risk assessment and controlling related literature,this paper introduces the development of personal credit business and the status quo of risk management with the specific research obJect of bank Z's Riverside branch behavior.This paper finds that the existing problems and shortcomings of credit risk of Bank Z BinJiang Branch are mainly reflected in four aspects: lack of scientific personal credit risk assessment model,single source of credit audit data,weak independence of loan audit and low professional quality of credit personnel;this paper putsforward credit risk management of Bank Z BinJiang Branch through literature reading,empirical analysis and other methods.Corresponding optimization strategies are put forward to establish and improve the credit risk assessment mechanism for individual customers of BinJiang Branch,improve the quality of credit assets,achieve sound business development and enhance overall competitiveness.It is found that the construction of a scientific credit risk assessment model is an important part of credit risk management.In order to make the model feasible,this paper manually collates more than 8000 personal customer credit data in BinJiang Branch's personal credit database,which is divided into training group and testing group.Through SPSS 22.0 software,factor analysis and logistic regression analysis,this paper measures the influencing factors of individual customer default,and establishes a default rate measurement model.The forecasting effect of the model is good,which provides a scientific and sufficient reference for the identification of individual customer risk of Bank Z BinJiang Branch,especially for the management links of lending and post-lending.