Research On Risk Control Of Consumer Finance Business Of HY Bank

In recent years,the development of consumer finance industry,different participants have entered.Although the core advantages are different and the development strategies are different,the same thing is that how to establish and improve an effective risk management system has always been the focus of the participants.In China,up to now,there are still many problems in the consumer finance industry,and there is no systematic and perfect research.In the dividend period of the development of consumer finance,some substantive requirements have been gradually put forward for the participants in consumer finance,such as customer experience,profit contribution,and so on.Then,new challenges have been put forward for the construction of core wind control capability of consumer phased business.Based on the development strategy,market positioning and current situation of consumer finance business of HY Bank,this paper makes an empirical analysis and quantitative analysis on the data of consumer phased business of HY Bank,and makes a set of feasible risk management methods,which plays an important role in providing wind control decision engine and improving risk management system for HY Bank.This paper systematically introduces the development process,operation mode and risk control and management process of China’s consumer finance industry,and compares the development mode and risk control means of domestic and foreign consumer finance with the international environment.Then the development of HY Bank is predicted and evaluated according to its current operation situation and risk management status.The historical lending data generated by customers who have borrowed and lent relationship are analyzed quantitatively.In the extracted quantitative data,most of the data are extracted to train the credit decision-making model.The remaining data are used for model testing to verify the accuracy and matching of the model.Regression methods such as stochastic forest,Logit,Boosting and decision tree are used in the modeling method.Each model analyses the relationship among the factors affecting decision-making from different dimensions.By comparing the data performance of several decision-making models,the best credit decision-making model and implementation method are verified,and the goal of the best credit decision-making model is achieved.Value measurement,including various income indicators,cost calculation and risk performance,to select and determine the best model,has a substantial significance for HY Bank to control consumer financial risk and achieve profit objectives.