The Research Of Commercial Installment Loan's Credit Score Of LB DL

Commercial Installment Loan is one of the main sources of revenue for LB Bank, and it is also the substantial part of bank's corporate loan. It is important for LB Bank to minimize the credit risk of the Commercial Installment Loan. This dissertation aims to improve the credit scoring method of the commercial installment loan of the LB Bank Dalian Branch.This dissertation is composed by four chapters. In ChapterⅠ, the importance of the credit risk scoring method of the commercial installment loan is proposed and the domestic and overseas literature of the credit risk analysis method is introduced. ChapterⅡis responsible to illustrate the theory of credit score and the requirements on credit analysis in BaselⅡ. The current practice of LB Bank Dalian Branch in this aspect and the limitations of practice are brought forward in ChapterⅢ. ChapterⅣtargets at the improvement of these limitations.The subject of this dissertation is to find the limitations of the current method of credit scoring method of commercial installment loan of LB bank Dalian branch and the resolution for the limitations.The innovation of this dissertation is adjusting the current credit scoring method to make it more accurate and introducing scoring form which makes the qualitative analysis more standard.