Credit Risk Management of Consumer Finance Based on Big Data

Table 2

Bank x nonperforming loan situation table.

Years	Bad debt		Nonperforming loan ratio
	Total nonperforming loans	Personal consumption nonperforming loans	Total nonperforming loan ratio (%)	NPL ratio for personal consumption (%)
2016	438.15	6.16	17.20	2.66
2017	426.43	5.83	14.27	2.23
2018	389.64	5.35	10.83	1.77
2019	356.26	4.97	7.90	1.35