Research On Optimization Of Personal Credit Loan Risk Management Of China Everbright Bank CQ Branch

The continuous development of the financial market and the marketization of interest rates have promoted the transformation and upgrading of commercial banks.Personal credit loans have become the focus of many banks to compete for market share and an important way to seize customer resources.Everbright bank cq branch followed the trend,launched personal credit loans,with the development of its business,its risk management problems gradually emerged,and affected the health of the business.At present,banks do not have perfect risk warning system and better risk control means when they carry out personal credit loan business risk management.Risk events cannot be predicted and prevented in advance,nor can they take effective risk measures quickly when they occur.The digital transformation and transformation of banks has been accelerated in recent years with new technologies such as big data and blockchain,and artificial intelligence as the poster child for the digital economy.The CQ branch of Everbright Bank has also been continuously exploring the digital transformation of personal credit loan risk management,continuously optimizing risk management models,improving risk management and remaining competitive in the face of strong market shocks.This thesis chooses CQ branch of Everbright Bank as the research object,and in the course of the research,firstly expounds the concept types and characteristics of personal credit loan,combs through the current commercial banks’ personal credit loan risk theory and personal credit loan risk management theory.Secondly,the development of personal credit loan in CQ branch of Everbright Bank is introduced,and the factors affecting the personal credit loan risk are identified and quantified.Based on the domestic and foreign research results and the current situation of personal credit loan risk management in CQ branch of Everbright Bank,the logistic regression model is selected as the quantitative research method according to the advantages,disadvantages and practical applicability of various research methods.At last,through the empirical analysis of the personal credit loan risk assessment index,the quantitative analysis has a high significance of the explanatory variables,and based on this combined with the branch personal credit work staff in all positions of the survey results,in the risk management problems and causes made a study and analysis.Through comparative analysis,this thesis finds out the practical problems in the management of personal credit loan risk,and focuses on optimizing the risk control measures from the salient factors such as the borrower’s annual income,the borrower’s real estate situation,the amount of money borrowed and the interest rate of the loan.And strengthen risk control measures through four aspects: optimizing pre loan risk identification,strengthening personnel risk management awareness,using Analytic Hierarchy Process to establish a credit scoring system,and optimizing post loan risk management system.At the same time,the research of this thesis also put forward some relevant policy suggestions for other commercial banks on how to further clarify the digital transformation strategy,accelerate the data integration,improve the intelligence of risk prevention and control,and improve the credit risk management system.