| In recent years,the balance of non-performing loans of commercial banks in my country has been in a trend of medium-to-high growth.Since the outbreak of the COVID-19,the scale of nonperforming assets in the banking industry has gradually increased,and the quality of bank assets has declined to a certain extent.As of the end of the fourth quarter of 2021,the non-performing loan ratio of commercial banks was 1.73%,and the balance of non-performing loans of commercial banks reached 2.8 trillion yuan.In my country’s financial system,the commercial banking system is at a key link,and credit risk has gradually become one of the main factors contributing to the banking crisis.It is of great significance to study the influencing factors of bank credit risk to promote the construction of my country’s financial system.This paper first expounds the related concepts and credit risk theory of personal business mortgage loan credit risk,and summarizes the related research of domestic and foreign scholars.Then on this basis,it analyzes the current situation of personal business mortgage loan business in T sub-branch and the management status and defects of credit risk in personal business mortgage loan.Further,on the basis of selecting the sample data of T sub-branch,16 indicators were selected and quantified from the three dimensions of collateral characteristic factors,loan characteristic factors and borrower characteristic factors,and the selected indicators were empirically studied by Logistic regression analysis.The results show that eight indicators such as mortgage property value,asset-liability ratio,and household monthly debt ratio have a significant impact on credit risk.Finally,based on the analysis of the empirical results,combined with the defects of the existing credit risk management system of T sub-branch,it puts forward suggestions at the bank level and the customer level for the optimal management of credit risk. |
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