Research On Credit Risk Assessment Of Personal Consumption Loan Of HB Agricultural And Commercial Bank

In recent years,the change of consumption concept relies on the increasing quality of life and is also directly linked to national life.With the stimulation of first consumption,it is gradually accepted by the people,or even used to it.Credit,as an important part of the composition,has been inseparable from personal consumption loans.With the increasing awareness of personal consumption ahead,the gradual growth and development of the individual economy and the gradual availability of various loan conditions,the personal consumption loan business promoted by commercial banks is growing at an alarming rate and the scale continues to expand.However,China’s personal consumption finance started late and lacks perfect credit management and legal system,which makes it more difficult to manage the credit risk of personal consumption loans.The popularity of Internet finance has a far-reaching and significant impact on the real economy,especially on traditional commercial banks,and faces many potential risks.Because the development direction is to be determined,the prospect of personal consumer loans is worrying.Establishing and improving the credit risk management system of personal consumer loans is of great significance to the future development of commercial banks.Firstly,this paper introduces the current situation of HB rural commercial bank.As a local financial institution in Hb County,the main source of profit still depends on the deposit loan interest margin.Although the overall non-performing rate of various loans of HB rural commercial bank can be controlled within 5 percentage points,the development of each branch varies greatly.In detail,the non-performing rate of some branches can be controlled below 2 percentage points,while the non-performing rate of some branches reaches nearly 10 percentage points.Therefore,how to significantly reduce the non-performing asset rate and significantly improve the asset quality depends on the improvement of personal consumption loan business,and the risk prevention of personal consumption loan business is particularly important.Then,aiming at the problems of information asymmetry in the credit risk identification system and poor objectivity in the credit risk control process in the aspect of personal credit,this paper evaluates the credit risk of personal consumption loan based on analytic hierarchy process,regression analysis method and calculation experimental method by referring to some personal consumption loan risk evaluation methods commonly used by domestic and foreign banks at the present stage,Finally,it puts forward the Countermeasures of establishing a risk identification framework suitable for HB County,standardizing the internal approval process of HB rural commercial bank,and establishing an effective non-performing loan risk control and disposal mechanism.These countermeasures make the bank’s consumer loan risk prediction to the lender more accurate and effective,have high reference significance and practicability,and can quickly obtain more accurate credit scores for customers,so as to help the bank effectively control the credit risk of personal consumer loans.