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The Research of CCB’s Personal Loan Risk Appraisal

Author: XinYing
Tutor: ZhangShaoJie
School: Jilin University
Course: Business Administration
Keywords: Consumer Credit Risk Management Logical unit model
CLC: F832.479
Type: Master's thesis
Year: 2011
Downloads: 224
Quote: 0
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Abstract

At present, the personal credit business has developed rapidly, especially after the outbreak of the U.S. subprime mortgage crisis in 2007, the personal credit risk prevention highlights important. 30 Over the years, the Chinese economy to make the world surprised by the speed of high-speed development, and provides a good space for the development of China's financial markets, prompting China's credit market, especially the rapid growth in demand of personal finance, personal credit has become the country's commercial banks One of the main business. As China's financial market continues to open up the strength of the foreign commercial banks will also be personal credit business as an important entry point into the Chinese market, the personal credit market competition is fiercer than ever before. After years of effort, the CCB has established a relatively complete system of risk control, the non-performing loan ratio show a downward trend. But there are many problems in the risk control and prevention should be strengthened, particularly in the personal credit. Start through the concept of personal credit business and personal credit risk analysis and classification, the personal credit operations were carried out in accordance with the purpose of the loan and guarantee of the loan period, the loan repayment methods detailed breakdown of the individual credit risk into credit risk , market risk, operational risk, and pointed out that strengthening personal credit risk prevention Construction Bank personal credit funds security, liquidity and profitability, and improve the competitiveness of China Construction Bank, to promote the comprehensive development of the consumer credit business need and the inevitable choice. Also pointed out that there are still personal credit system is not perfect, and relevant laws and regulations are not perfect, collateral is difficult to be realized, and non-standard operating personal credit risk prevention. The article by a large number of references on the research status are reviewed in this article provide a wealth of valuable reference. The article describes the relevant provisions of the Construction Bank personal credit business, according to the China Construction Bank personal credit business requirements, accept customer loan applications, personal account manager (the staff) engaged in the business of personal credit must focus on their age, repayment ability, credit situation etc. rigorous review and analysis of the causes of the risks associated with points, mainly involving personal asset position to prove the lack of material non-authenticity and integrity of the customer distinguish timeliness, internal mismanagement. The article describes in detail the risk prevention measures, including credit, loans, collection and settlement of the measures taken by individual housing loans, personal consumer loans, personal car loan provisions and risk point, as well as the current building. Model to evaluate loan applicants credit, due to its higher autonomy and certain scientific, not only can reduce manual labor, to simplify the loan approval procedures, and more accurate, comprehensive grasp of the applicant's information , which can greatly reduce the risk of loans. Probability of the empirical part of the article by constructing a logistic model using spss17.0 platforms, CCB historical customer data, carried out a detailed analysis may lead to personal credit risk indicators, concluded as follows: the nature of the work and whether repayment schedule was positively , and the confidence level of 0.01, significant differences in the nature of the customer's ability to repay the loan to customers to have a greater impact, mainly related to differences in job stability, pay packages; annual income and pay repayment ability was positively correlated and significant at 0.01 confidence level, years of high-income customers with strong solvency difficult to breach of contract; loan amount and repay loans was negatively correlated with a significant amount of the loan in the confidence level of 0.01 the greater the customer more easily breach of contract; repayment period and whether repay on time was positively correlated with the 0.01 confidence level significantly, many customers based on their income levels and the loan amount will be taken in installments, this would reduce the current debt service pressure; presence of co-repayment the guarantor will enhance the probability of repayment on time of the client, and variable common repayment person, guarantor significant at the 0.01 level of confidence under the common repayment person, the Guarantor bear joint responsibility, it is that will urge customers to repay on time, and then the customers on time repayment guarantee. The variables of age, the nature of the collateral, failed to enter the model age and the nature of the collateral is not whether the explanation of default contribution rate for customers. Through the above analysis, the model for the Construction Bank and even the commercial banks in China to establish a personal credit in the credit evaluation system to select the important indicators of the borrower's personal reference. The last article CCB prevention personal credit risk policy recommendations to establish individual credit risk assessment system and establish a comprehensive risk management philosophy. Personal credit business has become an important part of China Construction Bank, involving department personnel as well as links to a lot of how to do a good job of risk prevention, indeed, become the important issues of our concern. Face credit risk, market risk, operational risk and other interrelated, interaction, and throughout the personal credit business has always been, for effective management and risk prevention, we must establish a comprehensive risk management philosophy in the whole system as soon as possible: clear and comprehensive risk management objectives, develop a comprehensive risk management policies, improve the comprehensive risk management system, and full use of modern risk management techniques to enhance the comprehensive risk management capabilities, develop a comprehensive risk management culture to enhance full participation in the initiative and creativity of the risk management, minimize and reduce personal credit risk, value added.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Consumer Credit
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