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随着国内商业银行的发展,个人贷款业务作为资产业务的一种因其客户范围广、违约率低、收益期限长、利息收入稳定而受到诸家商业银行的青睐。个人贷款业务属于零售业务,符合大数定律,研究存量客户特征与贷款违约之间的关系,找出其关联性,对于商业银行建立优选客户标准、提升资产质量尤为重要。本文以某商业银行2011年10月底个人贷款存量
With the development of domestic commercial banks, personal loan business, as a kind of asset business, has been favored by commercial banks because of its wide range of customers, low default rate, long term of interest and stable interest income. The personal loan business belongs to the retail business, which is in line with the Law of Large Numbers, studying the relationship between the characteristics of the stock customers and the loan defaults, and finding out their relevance. It is particularly important for commercial banks to establish preferred client standards and improve asset quality. In this paper, a commercial bank stock of personal loans by the end of October 2011