Research On Credit Risk Management Of Personal Consumption Loans Of NY Bank Shenyang Branch

Our country is in a new stage of stable economic development.The living standards of residents continue to improve,and the consumption level is also rising day by day.The main manifestation is the continuous expansion of consumer demand in general,and the continuous enrichment and diversification of consumption directions from the perspective of subdivision.The interest growth structure of commercial banks has also changed,and personal consumption loan business has gradually entered the public’s field of vision,and has been accepted and used by consumers.In recent years,the country has advocated the expansion of domestic consumption and encourages consumption to drive the economy.The personal consumption loan business has received great attention and promotion in NY Bank.At the same time,the loan amount has been increasing year by year,and business development has gradually moved towards The main business focused on development.However,banks have not yet established a complete personal credit risk assessment system,and cannot dynamically evaluate and identify the credit of personal credit customers.How to assess the current risk mechanism of consumer loans in NY Bank and establish a personal credit risk assessment system is an urgent problem to be solved..Based on the relevant literature on consumer credit risk at home and abroad,the article summarizes the risks of personal consumer credit business,and elaborates on the types of personal consumer business,and analyzes the problems in the consumer credit management of NY Bank Shenyang Branch:insufficient attention to credit risk,The business structure is unbalanced,the proportion of housing loans is too high,the bank’s internal control institutions urgently need to be established and improved,and the existing consumer loan business process innovation capabilities are not high.By introducing reference variables such as age,education,marital status,unit situation,income,loan amount,and loan period,based on the Logistic model,a personal credit scoring model is established through model calculation and testing.The results found that:loan applicants whose marital status is married,the nature of the unit is government and public institution staff,and the loan period is 1-5 years have a more stable cash flow and lower risk than loan applicants with other parameters.Users with high bank credit scores.Suggestions for optimization of NY Bank’s existing risk management system and processes are proposed.The internal optimization measures include:proposing the concept of risk management from a cultural level,choosing a risk management model suitable for NY Bank,and continuously improving the existing operating system,Add a review post for credit renewal within a set period,improve the mutual restraint mechanism of personal consumption loan business,and warn the borrower’s credit status in advance before loan issuance.Suggested measures for improving external supervision include:suggesting that government agencies improve personal credit reporting channels and interfaces,and promote the whole society to pay attention to loan-related laws.At the same time,suggestions were made for the internal control mechanism:strengthening the construction of internal control institutions and improving the credit business process.