Research On Risk Management Of Consumer Credit In X Rural Commercial Bank

With the guidance of concepts such as "Consumption Upgrade",and "Inclusive Financing",consumer finance is a exerting a subtle influence on people's lives.In recent years,the penetration of consumer finance has increased rapidly,and "excessive consumption" has become a accustomed consumption patterns,and leverage has also been incorporated into daily consumption,which makes the consumer credit market usher in a vigorous development stage.Whether it is the dependence on consumption in the economic structure or the positive guidance and encouragement from the policy level,the consumer credit market has a quite good development prospect.On the basis of studying the relevant theories and the personal consumption credit business of the X Rural Commercial Bank,hoping to help the business development on the furfure.By analyzing the current situation of risk management X Rural Commercial Bank,it is considered that the main problems are the low operational efficiency of credit risk management,post-loan management needs to be improved,and inadequate technical means of risk management.In order to improve credit risk management capacity of the bank,the age,marital status,education level,monthly income,professional status,loan years and loan amount of individual customers are selected as variables,and a personal credit scoring model is established by Logistic regression method to help them effectively distinguish high-quality customers from high-risk customers and realize the precaution of business risks in advance.Based on thismodel,the process improvement of credit risk management of personal consumption credit business of the bank is put forward.Finally,this paper summarizes the full-text research and draws several conclusions: First,the main problem existing in the credit risk management of X Rural Commercial Bank is that the operation efficiency is not high;Second,efficient risk identification is the key link to improve the efficiency of credit risk management.Establishing a personal credit scoring model with Logistic regression model can quantify credit risks and improve the efficiency of identifying credit risks.According to the results of the model,it can be concluded that samples with credit scores greater than 400 are high-quality customers,samples with scores between 350 and 400 are defined as performance uncertainty groups,and samples with scores lower than 350 are inferior customers.Third,the application of personal credit scoring model is not isolated.In order to achieve a good application effect,the bank needs to optimize the credit risk management process.Only through the application of big data in pre-lending,in-lending and post-lending,can the effectiveness of the credit scoring model be fully utilized.On the basis of empirical analysis,from the point to the area,this paper puts forward some suggestions on risk management of personal consumption credit of rural commercial banks from the aspects of internal and external environment of banks.