Analysis Of Influencing Factors Of Personal Consumption Loan Default

In recent years,following the continuous strengthening of the state supervision on the real property market,the space of individual housing loans has been gradually squeezed.In order to adapt to the domestic macroeconomic development,commercial banks launched individual consuming loans,so as to compete limited customer resources.And personal consumption loan has gradually become a new growth of retail credit business.Compared with mortgage,the risk of personal consumption loan is undoubtedly larger.How to identify the influencing factors of personal consumption loan became the key for commercial banks developing retail credit business in a healthy and orderly manner.This paper tries to find out the factors of default which are affecting personal consumption loan through a descriptive and logistic regression analysis based on the current situation of personal consumption loan development and the sample customers of personal consumption loan of Bank A.And then points out the management problems of Bank A in personal consumption loans and corresponding solutions on these problems.Firstly,this paper explains the background and significance of the topic,as well as the research methods and structure.It shows that this paper uses Logistic model to analyze the default situation of personal consumption loan.Secondly,this paper introduces the concept,characteristics and measurement methods of credit risk,and theoretical analysis of the reasons why individual consumer loan defaulted.After understanding the relevant concepts,this paper also introduces the domestic and foreign researches on the influencing factors of personal consumption loan default.Next,this paper chooses Bank A as the research object,and introduces the development status and default situation of personal consumer loans of the bank,and preliminarily analyses the reasons of default.This paper chooses 10 factors as variables,such as gender,marriage status,household registration,education background,age,supported family members,company ownership,monthly family income,mortgage property ownership and loan amount,as the sample basis,and makes a descriptive analysis.Then quantify it and adopt stepwise regression to remove the insignificant factors,removing the significant factors in the end.Finally,it is concludes that the borrowers’ age,education background,marriage status,company ownership,mortgage property ownership,monthly family income and loan amount have a significant impact on the default of personal consumption loan.Based on these,the paper raises targeting suggestions for a sustainable and healthy development on personal consumption loans of Bank A.