Research on the Control of Personal Credit Risk in Commercial Banks in China

摘要

Based on the statistics of personal credit business of Agricultural Bank of China,this paper discovered variables influencing the personal credit breaches through selecting perspective elements.A multi-regression linear model was also established and was tested by adopting corresponding testing sample.Through the multi-regression linear model analysis,this paper got explanation variables and corresponding coefficients,which had a vital significance in guiding china’s commercial banks to manage their personal credit risks.