Research On Influencing Factors Of Retail Loan Default Risk Of Ping-an Bank

Recently,as national policies have tightened the supervision of the financial industry,monetary tightening has become the norm,and the rapid economic development has evolved into medium-low growth.Under the new normal,commercial Banks are faced with the dilemma of credit issuance,which is highlighted by the following problems: if the loan size is to be reduced,they will face the assessment of the regulatory authorities,and their operating profits will also be affected.And actively carry on the credit to put,will face the economic entity loan demand drops and the customer credit risk obviously increases the difficulty.Therefore,the transformation and development of retail lending business has become the key to solve the problem of retail lending in commercial Banks under the new normal of economy.For this reason,this paper analyzes the development status and existing problems of retail loans of ping an bank,and through quantitative and qualitative analysis of the relationship between the basic features of the lender and the characteristics of the bank's loan policy and the bank's default risk,finally comes up with Suggestions to reduce the default risk.Specifically,exampled by a certain branch of PingAn bank retail loan business as the basic research,combined with the borrowers real data index as the foundation,through the way of empirical analysis,using SPSS analysis software to establish Logistic model,regression analysis was carried out on the sample data,and to explore the influence of retail loan default risk factors,and summed up the access to the customer and pay default risk management advice.There are the following parts :(1)based on the situation of the bank's retail credit business and the previous studies,select the factors affecting the risk of retail credit and quantify the relevant factors;(2)take the quantified retail loan data as an example,construct the Logistic model,and empirically analyze the impact of micro factors on the bank's non-performing loans;(3)based on the above empirical research results and taking into account the actual needs of credit work,the paper puts forward meaningful Suggestions and countermeasures in the links before and after loan.