The Research On Personal Loan Default Risk Factors Of A Rrural Commercial Bank Y Branch

The financial industry is a very important industry for the country's economic operation.The financial industry is roughly divided into four categories: banking,insurance,securities,and trust.Banking is the top priority of the financial industry.The operation of the banking industry directly affects a country.The bank's main operating income method is to issue loans.The bank's non-performing loan ratio is one of the important indicators of the bank's profitability and competitiveness;as rural commercial banks are formed by the reform of rural credit cooperatives,their management and operating systems are not as good as major ones.commercial Bank.Compared with this,rural commercial banks have the highest non-performing loan ratio.With the continuous development of personal loan business,the proportion of total personal loans in total rural commercial bank loans has continued to increase.How to reduce the non-performing loan ratio has become the most urgent for rural commercial banks.This article first introduces the basic organizational structure and types of loan business of the Y branch of A Rural Commercial Bank,then analyzes specific cases,builds a logit model,and conducts an empirical analysis.10 covariates are selected from factors that may affect default,which are loans Human gender,age,family size,education level,marital status,annual family income,loan quota,loan fund use,loan interest rate,and loan duration.Through empirical analysis,factors that affect loan defaults are age,education level,loan interest rate,loan use,and loan life,and propose risk management countermeasures to reduce the default rate of rural commercial bank borrowers.This paper enriched the relevant research content of rural finance;Some Suggestions on loan default risk management of rural commercial Banks are of certain significance to the future development of the financial environment.