Study On Credit Card Personal Credit Evaluation Model Of Anshan City Branch Of China Construction Bank

The credit card took one kind of high income high risk the financial product already became the domestic and foreign commercial bank steep competition the important object. Various commercial bank affects directly to the credit card service management level the credit card service profit, therefore how the objective evaluation credit card applicant credit, does provide the effective policy-making basis, sends the question which the card bank urgently awaits to be solved.Looked from the present Anshan construction bank credit card service development situation that, the credit card customer credit appraised still was at the start stage, the main application qualitative appraisal law, relied on excessively appraises personnel's experience, the method lacks the objectivity simply, the accuracy is bad, the efficiency was low, guarded against the latent risk with difficulty.The article first chapter has carried on the introduction to the credit card customer credit appraisal research background, and has made the summary on the credit card customer appraisal theory and the concrete research technique. Second chapter has made the overall introduction to the China Construction bank Anshan Branch service development present situation and the credit card service development situation. Third chapter key has carried on the objective analysis to the construction bank Anshan branch credit card customer credit appraisal existence question, the fourth chapter has constructed the credit appraisal target system and revised the qualitative grading standard. Fifth chapter through the Anshan construction bank credit card customer actual sample, has established the quantitative evaluation model, and had determined the marginal value has carried on the precision examination and the example application. Sixth chapter draws the conclusion, and proposes the forecast to Anshan construction bank credit card customer credit appraisal.Characteristic and innovation:(1) In the credit target system foundation, has introduced the quantitative evaluation model. Through has introduced the quantitative evaluation model, changed Anshan construction bank still to apply the backward qualitative appraisal method present situation, unified using the quantitative evaluation law and the qualitative appraisal law enhances the credit appraisal result the accuracy and the working efficiency.