基于客户选择的商业银行汽车信贷风险防范研究

以汽车贷款业务为例,在分析影响汽车贷款客户的个人信息特征基础上,构建Logistic回归模型对客户进行分级管理,以减少商业银行信贷风险。Logistic回归分析的结果表明:贷款人的综合情况由背景资料、贷款情况、财力情况、征信情况四个方面来衡量,其中财力情况更能体现贷款人的信息特征。模型的稳定性检验和返回检验表明该模型有效地区分了客户诚信与否,进而为管理者提供风险防范依据。

Study on Prevention of Credit Risk of Commercial Banks Based on Customer Choice Of Auto-loan

With the expansion of consumer credit market scale, for the time being, auto-loan goes into the public view accompanied byred-hot auto market, which the commercial banks are digging in. Auto credit risk entails the rapid development of the auto loan market arise. Taking auto loan business for example, based on analyzing the characteristics of personal information which impact auto loans customers, this paper builds Logistic regression model which manages the customer at different levels in order to reduce t...