Research On Credit Risk Management Of Small-sum Loan In S Postal Savings Bank Network

With the rise of Internet finance,the conventional loans of commercial Banks have been unable to fully meet the needs of the general public.In order to improve the competitiveness of commercial Banks,online channels of small loans have been opened in succession.The online lending platform of postal savings bank broadens the financial management channels of investors and the borrowing and financing methods of funds.While improving the efficiency of financial market,the risk problems of postal savings bank itself are gradually exposed.Since the opening of online loan channels in 2016,postal savings bank of S has been developing well,with an increasingly high loan amount.However,since the business inflection point of 2018 and 2019,the non-performing loan ratio of online small loan has been on the rise,which has exerted a great impact on the enthusiasm of developing online small loan business.Therefore,this paper needs to analyze the credit risk factors affecting the online small-amount loans of postal savings bank of S city through data analysis and propose risk management measures.This paper firstly summarizes the theoretical knowledge of credit risk in loans,introduces the advantages and disadvantages of several models adopted by some scholars in the research of credit risk management,and determines that this paper needs to adopt Logit model for research.Then,according to relevant references and questionnaires,the variable indexes adopted by Logit model were determined,and descriptive statistics,correlation analysis statistics and Logit analysis were conducted on 250 data samples of online small-amount loans in S city postal savings bank in 2017 by using stata15.Moreover,the robustness test was conducted with 50 data samples in 2018,and the prediction success rate was 72%,which confirmed the specific operability of the model.Then it puts forward some Suggestions on external risk management and internal risk management for the credit risk management of network small loan of S city postal savings bank.Finally,it comes to a conclusion that,first of all,the postal savings bank of S city needs to keep an eye on the changes in national policies and fluctuations in market interest rates,and regularly update the borrower's information.With the dynamic data at hand,the system can respond to the borrowers who may default in the first time when there is a risk warning.Secondly,the postal savings bank of S city needs to build a dynamic model of credit risk assessment and set up a scientific market interest rate pricing mechanism.At the same time,before the approval and after the loan need to pay attention to the data dynamics of important variable indicators at any time,general variable indicators also need a basic understanding.Finally,major Banks and loan platforms in S city need to cooperate with local government departments of S city to set up a data sharing platform on the premise of ensuring customer privacy,so that all major loan platforms can understand customer information in an all-round and multi-angle way during loan approval,so as to reduce the credit risk of borrowers.