Research On Credit Risk Management Of Small Loan Of X Bank

At present,how to improve the credit efficiency and effectively control the credit risk of small and micro loan customers has become an urgent problem in the development process of bank X.This paper studies the influencing factors of small loan credit risk of bank x from both qualitative and quantitative aspects,and then puts forward corresponding countermeasures and suggestions.In the qualitative analysis part,through the analysis of the current situation of the credit risk management of the small loan business of bank x,according to the theoretical research and the previous research results,this paper discusses the influencing factors of the credit risk of the small loan business of bank x,mainly including the borrower's age,marital status,the number of family labor force,income,repayment method and so on.In the part of quantitative analysis,using the method of model demonstration,we select 221 microfinance data of bank x from January 2015 to June 2019 as samples,take "whether there is a microfinance default" as the explanatory variable,and take 7 indicators such as borrower's age,marital status,number of family labor,income,repayment method as explanatory variables,to establish logit regression model,and use SPSS workers Correlation analysis and regression analysis were performed.The results show that: the indicators that have a significant correlation with bank X's micro loan default are: the borrower's marital status,income,working years,education level;while the borrower's age,number of family labor force,repayment method and bank X's micro loan default have no significant correlation.Finally,according to the results of empirical analysis,combined with the practical problems of small loan credit risk management in bank X,suggestions are: improve the early warning system of small loan risk,improve theawareness of small loan credit risk prevention,establish a sound risk internal control system,design insurance and re guarantee scheme.