On Asessing Method Of Personal Credit

By analyzing the current state of the assessing method of personal credit and referring to the scientism assessing system both abroad and in China, this thesis intends to improve this system based on its conventional models. The first part deals with the necessity of the research, the present state, the background and the significances of the research. The second part presents the assessing system, carrying out empirical study of the assessing models of automobile and housing credit respectively. Based on the china's banking and the collected data, the qualitative analysis model is supplied respectively. These two models are adopted according to the data provided by the loaners to evaluate, determining the credit grades. There are too many subjective factors of the evaluators'in the qualitative model, so that the results may be biased or one-sided. But this method is comparatively simple and convenient without complex operational procedures, which is more suitable for the current state of China. The quantities analysis model establishes grade identity framework for the credit grades of housing mortgage credit on the basis of gray relevance degree, setting up a more scientific assessing index system consisting of four parts:①individual(X1);②mortgage(X );③environment(X );④loan(X ). Considering the differences of importance of different index, the author presents a more reasonable method for current, more objective and correct identity credit grades, which still requires further study and modification. 2 3 4...