The Research On Personal Loan Risk In CLNY

Finance is the core of modern economy and the blood of real economy.At present,it is the key period for our country to deepen the structural reform of financial supply side.The pressure of preventing and defusing financial risks is great and unstable.China's banking business has been improved by leaps and bounds along with the economic development.This rapid development is almost simultaneous with the increase of risks.At present,the inherent relevance of various risks in economic development is getting closer and closer.The typical case of subprime mortgage crisis is the result of the interaction of credit risk,market risk and operational risk.This is not only a lesson for the comprehensive risk management of commercial banks in China,but also a new situation,new problems and new challenges facing them.This paper studies the risk management of a certain kind of project in commercial banks.By dissecting the sparrow,it analyses and studies the customer groups,business composition and operational risk at the end of CLNY bank's personal credit business chain.It has certain theoretical significance,and it can also provide ideas and references for the improvement of risk management of CLNY bank's individual credit business directly.Through literature analysis and case analysis,this paper grasps the current situation of research,uses research methods for reference,takes CLNY bank personal credit project specific business data as case analysis,and combines the relevant practice and theory of Internet finance to analyze the risk management of CLNY bank personal credit project,and achieves the purpose of clarifying the current situation and putting forward countermeasures.This paper consists of six chapters: The first chapter introduces the research background of CLNY bank personal credit project risk management,discusses the research significance from both theoretical and practical aspects,cites relevanttheories at home and abroad,and briefly introduces the research methods of this paper.Content and framework.The second chapter introduces the related concepts of personal credit,personal credit risk,project risk management,project risk identification,project risk assessment and so on.It classifies some risks and discusses the theory of information asymmetry,credit rationing,asset portfolio and large data wind control combined with practice.Chapter three introduces the current situation of CLNY bank's personal credit projects,and the business volume,product structure,credit non-performing rate and non-performing loan balance of personal credit projects.On this basis,the current situation of risk management is analyzed,and the loan process and influencing factors are introduced in detail.Chapter 4 starts from the construction of the risk evaluation index system of CLNY bank's personal credit project,discusses and analyses the principles of construction,the determination of risk factors and the construction of risk index system,and then chooses the evaluation method,uses stata15 measurement software,carries on OLS regression and establishes LOGIT model to analyze the factors affecting personal credit risk.The fifth chapter is based on the big data CLNY bank personal credit project risk management countermeasures,is also the focus of this study,put forward specific personal credit project risk management countermeasures.Through the analysis of the whole paper,the corresponding research conclusions and prospects are drawn.