Research On Overdue Risk Management Optimization For Small-Micro-Fast-Loan Business In J Bank M Branch

In recent years,the country has vigorously promoted the inclusive financial strategy.As a large state-owned bank,J Bank has actively implemented the national strategic requirements and launched the online self-service loan business of small and micro fast loans for small and micro enterprises in 2017.After more than five years of development,the volume of small and micro fast loan business of J Bank M branch keeps increasing,and the business handling mode has been widely praised in the industry.However,there are still problems such as the rate of overdue loans and non-performing loans rising year by year,the lack of pertinence of overdue risk management,unclear management objectives and the need to improve the effectiveness of overdue risk management.The main reason is that in the risk management process of small and micro fast loan business,there are still incomplete identification of overdue risk factors,omission of key factors,inaccurate assessment of risk factors,which are mainly based on experience and lack of science,and inaccurate assessment of customers’ overdue risk levels.The hierarchical management of overdue risk has not been implemented at the customer level,and the business risk management has not paid enough attention to overdue risk,and there is no special overdue risk management strategy.Based on total risk management theory,credit risk management theory and Logistic regression analysis method,this thesis optimizes the overdue risk management strategy of Small and micro fast loan business of J Bank M branch.First of all,collect,sort out and analyze the current small and micro fast loan business process,overdue risk management organizational structure,regulatory requirements and overdue risk management strategy,and find out the key problems and reasons in overdue risk management.Secondly,the secondary data analysis method is used to extract the sample data of the actual operation of the small and micro fast loan business and carry out data preprocessing,and then the logistic regression analysis method is used to identify the key elements of the overdue risk,construct the overdue risk scoring card,and divide the overdue risk element grade and the customer overdue risk grade according to the logical regression and scoring results,so as to achieve accurate customer grading.Thirdly,according to the grading results,differentiated overdue risk management strategies are formulated for customers with different risk levels at different stages of business,including pre-loan,in-loan and post-loan.Finally,the thesis puts forward the implementation plan and safeguard measures to ensure the implementation of relevant strategies,and gives the conclusions and future prospects of the thesis.The conclusion of the thesis shows that by optimizing the overdue risk management strategy of the small and micro fast loan business,we can effectively identify the key overdue risk factors,realize the scientific evaluation of overdue risk factors and the accurate classification of customer overdue risk,strengthen the concept of overdue risk management,and provide customer graded management strategy.The optimization scheme in this thesis is conducive to improving the management efficiency of the small and micro fast loan business,reducing the management cost,improving the bank-wide credit business management level and management quality and efficiency,and better serving the small and micro customer groups,and constantly enhancing the competitiveness of the market.