Research On Personal Credit Risk Control Of P Bank W Branch Based On AHP Analysis

With the increase of consumer demand in China,the bank’s personal credit business has become increasingly rich in both scale and type of business,which greatly satisfy the different levels of borrowing needs of credit individuals.As the amount of credit business grows,the number of bad debts and bad debts of banks will increase,and the business risk of bank credit business will inevitably increase.Based on this,the paper systematically studied the risk of personal credit business.First,based on the theory of personal credit,the paper studied the status of personal credit risk management of P bank W branch,and concluded that personal credit business includes home mortgage loans,business loans,auto loans and other loan businesses,and established innovative credit products.Innovative service and channel,innovative "SAT" as the core service system;forming a management and control process that takes the overall operation process as a guide,implements a comprehensive pre-lending evaluation of customer risk,loan-in-charge specifications and compliance with review criteria,and post-loan tracking of customer information and evaluation;At the same time,there are also credit personal problems such as moral hazard and repayment ability,market environment problems such as imperfect laws and regulations systems,unsound personal credit systems,and difficult to regulate market risks,etc.Business indicators have caused staff to reduce their own review standards,imperfect supervision,and customer data.Problems such as bank management in place of management.Secondly,by constructing eight factors that influence personal consumer credits based on age,academic qualifications,monthly income,repayments,total income,repayment terms,units,guarantees,and marital status as independent variables,the comprehensive credit score is the dependent variable.Regression model,using the analytic hierarchy process to determine the weight of each influencing factor,using the scoring method to quantify the various factors,the establishment of credit scoring model;the use of different scores of financial indicators,the division of risk assessment hierarchy for the classification of the level of A(19.98 ~ 27.28),AA grades(27.29~34.58),AAA grades(34.59~41.88),AAA+ grades(41.30~49.95);using the sampling method to extract 10 customers for grading,the comparison with the actual situation shows that the evaluation model has a reference.Finally,in response to the P-bank W branch’s personal credit risk management and control issues,a risk management and control strategy was put forward at the individual credit level,market environment level,and bank internal management level,aiming at proposing measures suitable for the management and control of W-bank individual credit business and improving personal credit risk.The management and control capabilities of the Bank enable the stable operation of the bank’s credit business.