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A Study on Evaluation of Consumer Credit''s Risks of Commercial Banks

机译：商业银行消费信贷风险评估研究

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摘要

Consumer credit plays an important role in pulling the growth of economy, improving living standard of the people, as well as increasing profits of commercial banks. But the studies on the management of consumer credit''s risks are still in the exploring phase. In order to provide some references for banks, this paper is composed. Firstly, credit risk is analyzed and identified, 12 indexes as the main influencing factors are chosen and quantified, and evaluating model is established through weighted average. Then, British commercial banks'' historical data of the ratio of bad debts are used for reference to form the testing model of connecting credit grade scores with expectation ratio of bad debts. Finally, based this testing model, evaluating model of credit risk is tested and adjusted.
机译：消费信贷在拉动经济增长，改善人民生活水平以及增加商业银行利润方面发挥着重要作用。但是关于消费信贷风险管理的研究仍处于探索阶段。为了给银行提供参考，本文进行了撰写。首先，对信用风险进行了分析和识别，选择和量化了十二个主要影响因素，并通过加权平均建立了评估模型。然后，以英国商业银行的呆账率历史数据为参考，建立了信用等级评分与呆账预期率之间联系的检验模型。最后，基于该测试模型，对信用风险评估模型进行了测试和调整。

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