Abstract
Bank personal credit is affected by factors such as inadequate management and lagging risk information management system. Bank default risk analysis is needed to improve the ability of bank credit risk management. Therefore, a bank customer default risk analysis based on embedded microprocessor wireless communication is proposed. Firstly, it analyzes the risk assessment parameter evaluation system of personal credit, constructs the quantitative analysis model of personal credit risk, calculates the grade gradient value in the bank’s personal credit risk standard, carries out the mathematical modeling of bank customer default risk assessment, strengthens the implementation of “three checks,” tracks and manages the borrower, supervises the use of credit funds, improves the social credit investigation system, and on this basis, optimizes the mathematical model of bank customer default risk assessment. The experimental results show that this method can realize the bank’s quantitative evaluation and control of personal credit risk, improve the bank’s credit risk prevention and control ability, and provide a reliable basis for the bank’s credit risk evaluation operation and management.
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