针对目前北京住房公积金贷款中借款人信用风险问题进行实证研究,动态地考虑到贷款发放后的各个影响因素对借款人信用风险可能造成的影响,将公积金贷款发放前后各个影响因素相结合建立logistic模型,分析解释模型中不同影响因素的权重值,评估其对信用风险的影响并提出相应建议。一、住房公积金贷款信用风险的管理方式笔者梳理总结现有各种关于个人住房贷款风险的认识及风险防控措施的研究可以发现,研究住房公积金贷款风险和 In view of the current credit risk of the borrower in Beijing’s housing provident fund loan, this paper studies the impact of various factors on the credit risk of the borrower dynamically, and combines the various influencing factors before and after the provident fund loan to set up the logistic model , Analyze and explain the weights of different influencing factors in the model, evaluate their impact on credit risk and make corresponding suggestions. First, the management of housing provident fund loans credit risk The author combs the various existing personal housing loans on the understanding of risk and risk prevention and control measures can be found in the study of housing provident fund loans and