基于Logistic模型的商业银行个人消费信贷风险评估研究

Research of Commercial Bank Personal Credit Risk Evaluation based on Logistic Model

在消费者"贷款消费"意识不断增强的今天,伴随而来的风险问题也不断显现出来,特别是个人信用风险首当其冲。基于商业银行个人消费信贷的实际操作数据和Logistic回归模型,利用SPSS17.0统计软件构建个人信用评分模型。通过实证,测得借款人的年龄、婚姻状况、受教育程度等六项指标是影响个人信用风险的关键因素。最后,提出了防范个人消费贷款风险的相关建议。

In recent years, consumers of ＂consumer loans＂ growing awareness, and the risk has become increasingly, the mainly problems is personal credit risk. In this paper, based on the actual operation data of personal consumption credit of commercial bank and the Logistic regression model, By using the statistical software SPSS17.0 to constructed the personal credit measurement model. After empirical, measured the borrower＇s age, marital status, level of education, etc are the key factors influencing the personal credit risk. Finally, this article also puts forward the preventing the risks of personal consumption loans.