The Study On Small-middle Size Bank's Personal Loan Credit Risk Scoring Model Enhancement By Leveraging Credit Behavior Data

In this paper,through a comparative analysis of credit risk evaluation of credit behavior data,I use logistic regression model based on the data of a city commercial bank in 2013,2014,2015 personal loans for empirical data and information.It is proved that after introducing the data variables of credit behavior,the empirical results show that in the process of measuring the credit risk of personal loans in China,it can improve the accuracy of credit risk evaluation,and its measurement results are also accurate.The paper is divided into five parts: the first part briefly describes the background and significance of the research.The second part is the summary of credit evaluation theory.It introduces the critical definition of credit risk and default,and then introduces the existing main credit risk assessment modeling methods.The third part constructs the credit risk measurement model based on the variables of the trust behavior and carries out an empirical test.The fourth part is the analysis and summary of the research results.The fifth part is the end and inadequacies of this thesis and the analysis of the future research field.