Research On Personal Credit Risk Management Of Bank A Hefei Branch

Since the reform and opening up,the economic consumption level of Chinese residents has been rapidly improved,and people's consumption concept has also undergone earth-changing changes.The consumption concept has changed from the previous savings consumption to the current excessive consumption,and people are showing a more and more accepting attitude in the personal credit business.However,compared with the foreign personal credit business,the personal credit business in China has the characteristics of late start,fast development and large risk.Up to now,there are still some difficulties in China's personal credit market,such as lack of an independent credit system,lack of completeness of credit system and inaccurate credit rating,which hinder the healthy development of credit business of domestic commercial Banks.In 2008,the international financial crisis,China's personal credit business market because of the impact of foreign real estate bubble has received the serious blow,and foreign commercial Banks in order to transfer risk,to look into the domestic personal credit business market,increasing competition pressure,the corresponding credit risk also increased in virtually.Therefore,the research on the risk management of commercial Banks' personal credit business has a far-reaching impact on the development of Banks' internal business.Based on A bank of hefei branch as the research object,through to the field investigation to understand hefei branch in personal credit business of the status quo,in combination with the practical situation of hefei branch in the operation of the credit business related theory,the qualitative analysis of A bank in hefei branch of the present condition of the personal credit risk management,mainly from the aspects of internal control compliance,non-performing loan collection and customer credit and risk assessment aspect and also points out A bank hefei branch in the insufficiencies of credit risk management,mainly is inadequate supervision,unreasonable structure of personal credit and customer credit risk assessment method is A more subjective.Then aiming at the shortcomings of the customer credit risk assessment methods are subjective,this article also by gathering the hefei branch of the personal credit,personal credit risk management evaluation was built based on Logistic regression model,sample data mainly includes the basic information of the borrower: whether customer default,nature of work,age,whether married,gender,income,etc;The loan information of borrower: reimbursement means,loan amount,loan deadline 9 index.These nine indicators are used to assess the default risk of customers' personal credit business.The results show that the default rate of customers is negatively correlated with their age,marriage,education and monthly income.It has a positive correlation with the customer's unit and loan term,and also obtains the parameter proportion of each indicator.At the same time,a customer's personal credit risk managementevaluation model is established according to the significant indicators of the customer's monthly income,marriage,loan term,age,unit nature and education level.This model can well predict the default risk rate of the customer,so as to serve as an important basis for the bank to manage the risk.Finally,according to the deficiencies in the above risk management,put forward targeted countermeasures and Suggestions.