Research On Risk Management Of Personal Consumer Credit Of Urban Commercial Bank

Over the past decades of reform and development,China's rapid economic development,people's consumption level and consumption concepts have undergone tremendous changes.From the preference for savings to the current advanced consumption,as well as competition among banks,the business of our banks has also changed with the change of customers,and the major banks have increased their investment in personal consumption credit.The rapid development of personal consumption credit business not only meets people's consumption demand,but also promotes domestic consumption demand and economic development in China.Therefore,the development of personal consumption credit plays an important role in China's economic development from both macro and micro perspectives.Based on this,this paper takes A Bank,a city commercial bank,as the research object,and combines the relevant theory of consumer credit with the actual background of A Bank,intends to study the risk management of A Bank in personal consumption credit business on this basis.Research.This paper collects 378 individual consumer credit creditors of A Bank XS Branch and uses Logistic regression model to analyze.The sample data include whether individual consumer credit customers perform their contracts,age,sex,marital status,family monthly income,education level,occupation,loan amount and loan duration.Using these eight indicators,this paper makes an empirical analysis of the factors affecting the default risk of personal consumer credit of A Bank XS Branch.Finally,it draws the conclusion that the study finds that the borrower's marital status,occupation,monthly income and loan life have an impact on the default risk of consumer credit of A Bank XS Branch.At the same time,the impact of the borrower's gender,education level and loan amount on the default of personal consumption loan of A Bank XS Branch is not significant.At the same time,according to the marital status,occupational status,monthly income and loan life,we construct a scoring model for borrowers,and test the model.Finally,according to the results of empirical research,this paper puts forward relevant suggestions and Countermeasures for A Bank XS Branch's consumer credit business,and summarizes the shortcomings and prospects of this study.