Research On The Influencing Factors Of Lending Decision On Individual Credit Loans Of Bank C

At present,China's economy has turned to the stage of high-quality development.Promoting the reform of consumption mechanism and system,and constantly strengthening the financial support for consumption upgrading are of great importance to the transformation of China's economic structure.With the increasing demand for consumer credit in China,commercial banks have used financial technology to realize the transformation and upgrading of retail business,and consumer credit is one of the key areas of retail business.However,due to the characteristics of consumer credit,such as no mortgage and small amount dispersion,how to conduct credit approval has become a key issue for commercial banks.On the basis of elaborating the research background and summarizing the existing research,this paper takes bank C as the research object,firstly,it combs in detail the current situation and existing problems of its personal consumer credit loan business;secondly,using the account data of 1579 consumer credit loans successfully granted by the bank from 2018 to 2019,using the methods of descriptive statistics,difference test,logistic and OLS regression analysis,etc,This paper empirically examines the factors that influence whether the customer is overdue and the bank credit line,and provides countermeasures and suggestions for Bank C to develop retail credit.The empirical results show that: in terms of influencing factors of overdue probability,gender,number of dependants,marital status,work unit,job position and personal income have significant positive effects,while age has no significant positive effect on overdue probability,and education level has no significant effect on overdue performance.Comparatively speaking,the more male,married and family dependent clients are,the more likely they are to be overdue,while the less likely they are to be overdue if they are unmarried,have a higher job position,have higher personal income and work for civil servants or institutions.In terms of influencing factors of credit line,education level,marriage,job type,job position and personal income have significant positive effects.In conclusion,the characteristics of work unit,job position and personal income have significant influence on default and credit line at the same time,which can provide reference for customer selection and market segmentation of consumer credit loan of Bank C in the future.