基于Logit模型的商业银行个人贷款业务风险成因实证研究

Empirical Study of Risk Assessment of Personal Loan Bussiness Bassed on Logit Model in China's Commercal Banks

运用logit模型对我国商业银行个人贷款业务风险成因进行了实证研究。结果表明,受教育程度与经济状况对个人贷款违约率有显著影响,商业银行在发放个人贷款业务前除了考察年龄、婚姻状况等因素外,应重点考察这两个因素。

This paper uses the logit model to empirically study on risk factors of personal loan business of commercial banks in China, found that the level of education and economy rate has a significant impact on the personal loan default, commercial banks in the issuance of the personal loan business before except factors age, marital status, should focus on these two factors.