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Credit Risk Management: The Evolutionary Path of the Lost-Linking Mode of Loan Customers

Author(s)

Jiaqi Wang1, Yunfeng Zhang2, Xiaolong Jiang3, *, Huiqiang Kang1, Chao Deng4, Yizhou He5

Affiliation(s)

1Faculty of Logistics, Guangdong Mechanical & Electrical Polytechnic, Guangzhou, Guangdong, China 2Continuing Education College, Guangzhou City Construction College, Guangzhou, Guangdong, China 3Macao Polytechnic University, Macao, Guangdong, China 4Guangdong Rural Credit Union, Guangzhou, Guangdong, China 5School of Management, Jinan University, Guangzhou, Guangdong, China *Corresponding Author.

Abstract

The evolution of financial markets, coupled with the expansion of credit services, has progressively rendered the phenomenon of lost-linking among loan customers as one of the significant risks confronting financial institutions. This research conducts an in-depth analysis of the evolutionary path of the lost-linking mode among loan customers, identifying and defining three typical behavioral modes: Hide and Seek mode (HS mode), Flee with the Money mode (FM mode), and False Disappearance mode (FD mode). Through detailed elaboration on behavioral characteristics, overdue loan information, changes in lost-linking information, and the evolution of social relationships, this study reveals the transition process of customers from a normal repayment status to a lost-linking status. The research proposes a comprehensive framework that describes different evolutionary paths customers may experience, including a gradual progression from a normal status to HS mode and then to FD mode, a direct transition from a normal status to FM mode and ultimately to FD mode, and a path where a normal status directly evolves into FD mode. These findings provide a theoretical foundation for risk assessment and prevention strategies for financial institutions, emphasizing the importance of dynamic monitoring and timely intervention in loan risk management.

Keywords

Loan Customers; Lost-linking Mode; Evolutionary Pathways; Credit Risk; Risk Management

References

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