Research On Pre-loan Risk Management Of Offline Personal Credit Loans Of N Bank N Branch

With the rapid development of China’s economy,people’s quality of life continues to rise,consumer demand continues to upgrade,the concept of consumption has changed from the original savings consumption to advanced consumption,and the emergence of new consumption mode has brought new development opportunities to commercial banks.Domestic commercial banks have carried out strategic transformation one after another,shifting the focus of development to retail finance.As an important part of basic retail business,personal loan business is developing rapidly,in which the demand for personal credit loans is increasing,becoming the main source of profits of major banks.With the continuous expansion of its scale,the hidden potential risks are gradually exposed,and the non-performing loan ratio remains high.Compared with the mortgage type of consumer loans,personal credit loans have no second source of repayment,the risk is greater,so risk prevention is particularly important.The pre loan investigation stage is the "first line of defense" for risk prevention and control.It is the most critical part of risk management.Improving the quality of pre loan investigation and improving the risk identification ability before loan is very important for the improvement of the quality of credit assets of commercial banks.In this paper,n bank n branch offline personal credit loans as the research object,literature research method,inductive method,discriminant function empirical analysis method as the research method,combined with the relevant theoretical basis,to find problems,analyze problems,solve problems as the basic research ideas.First of all,we analyze the current situation of the personal credit loan business under the N branch of N bank and the status quo of the pre loan investigation,find out the risks existing in the pre credit investigation stage of the line personal credit loan,and find out the causes of the risks according to the existing risks.Then,according to the existing risk problems,this paper randomly selects the data of offline historical personal credit loan customers of N bank n branch from the beginning of 2010 to the end of 2019 as the sample,and selects the borrower’s gender,age,education background,marital status,industry category,monthly income and credit status as the analysis variables to build a Bayesian discriminant analysis function to empirically analyze the risk factors.Finally,aiming at the risk factors of personal credit loan default and the risk management deficiencies before lending,the precautionary strategies for risk management of pre credit investigation are put forward,so as to enhance the risk management level of pre credit investigation of personal credit loan of N branch of N bank.