The Research Of Personal Credit Assessment Based On Fussy Cluster Analysis

Modern market economy is credit economy. Perfect social credit system is the powerful safeguard of the market social system. The social credit system is mainly constructed by three relatively independent and effected mutually sub-systems, including the government credit system, the enterprise credit system and personal credit system. Personal credit system is foundation of the whole social credit system. Personal credit information system can effectively reduce the personal financial transactions credit risk because of information asymmetry arising from moral hazard and adverse select problem, it also plays important role to the healthy development of individuals credit consumption.Firstly the thesis elaborates connotation and classification of credit, and related theory, then explains the root causes of credit risk by Asymmetric information theory. It also introduces Evaluation of several common methods of personal credit: Discriminate analysis, Logistic regression and Neural network, as well as their applicability.The thesis reviews the research status of personal credit system in our country. Since the late nineties of last century, there has been rapid development of the personal consume credit, at the same time, however, the credit risk problem exposed on the business has threaten the development of consume credit market. Against this situation, it is an urgent task to form a sound credit risk management mechanism. As the core link of credit risk control, credit assessment should be properly solved.The thesis uses unsupervised fuzzy cluster analysis as modeling method in the selection. The unsupervised classification can avoid the setting difficulty of tradition model, while common credit assessment methods have strict requirements for sample data. This thesis provides alternative personal credit assessment methods and referential means which may be helpful for personal credit risk management, especially at the undeveloped regions in the credit information.At last, the thesis makes comparisons and analysis between several typical personal credit model in developed countries, and linking today's development of personal credit system in China, it puts forward the concrete proposal to improve Chinese personal credit system.