Research On Personal Credit Risk Management Of XA Commercial Bank

China's economy is developing in an unprecedented speed,which drives the income level and consumption capacity of its residents to increase as well.This trend is accompanied by the rapid development in personal credit line of business,which has been a new focus of financial institutions such as banks.Personal credit has gradually been accepted by residents with the improvement in personal credit management system,and becomes a necessary means to embody personal morality and maintain social and economic order.Therefore,it is imperative to carry out personal credit risk management of commercial banks in order to reduce personal credit risks and improve bank profits.The development of financial globalization makes Chinese commercial banks face more and more fierce competition and more complicated risks,which requires banks to have a more perfect risk management mechanism and a stronger ability to deal with risk.Comprehensive risk management is one of the core components of the modern commercial bank management and takes a fairly importance stance in the operation and management of the commercial banks in China.Therefore,we need to improve the personal credit risk management of XA commercial banks under the framework of comprehensive risk management.This paper carries out a comprehensive risk management framework and a theoretical overview of personal credit risk.According to the practice and research,it is found that although XA commercial bank has implemented comprehensive risk management,there are still some problems such as inaccuracy of loan evaluation,imperfect process of approval in loan,and lack of innovation in management after loan.According to the actual characteristics of personal credit business,this paper will focus on the identification and assessment stage.at this stage,using data mining technology,combined with the historical data of individual customers of XA commercial bank,the information gain value method,WOE value method of alternativeindicators screening;finally using Logistic regression model to establish the personal credit risk assessment model.The construction of internal environment and control activities has been perfected from the actual related measures,so as to improve the personal credit risk management of XA commercial banks under the framework of comprehensive risk management.This paper helps commercial banks to improve the theory of personal credit risk management,promote the development of personal credit business,and play a positive role in the development of China's banking industry.Construction of personal credit risk management system based on the framework of comprehensive risk management.It is possible to transform the credit risk management mode that previously relies on human experience to a comprehensive risk management model based on personal data analysis,and further enhance the profitability of commercial banks.