Study on Credit Risk in Logistics Banking Business

Abstract

The study on the impact of stress testing on banks is carried out in extreme circumstances, which is an important task that banks need to carry out regularly or irregularly after lending. It focuses on the determination of macrofactors in stress testing of logistics banking business. Taking the relevant data of logistics banking business of the commercial banks in China as samples, an empirical analysis of stress testing is conducted in this study. The findings indicate that the growth rate of economic growth (GDP), real estate price and money supply (M2) has a significant impact on credit risk, while the interest rate factor is relatively weak. There are risks from the credit investigation to the post-loan management, and the risk control ability should be strengthened.