The Behavior Appraisal Research Of SPDB Dalian Branch Individual Housing Loan Customer To Pay Off A Debt

Since the individual housing loan business of SPDB Dalian branch set up, the scale total quantity assumes the surmounting development, it has created the massive profits for the bank, but is not good rate also has the rise tendency, the loan risk has been gradually appearing. How decreased the loan risk, maintains individual housing loan good income rate, already became the important question which SPDB faced. In the multitudinous regulative risk method, through pays off a debt the behavior to the customer to carry on the comprehensive accurate appraisal, determined loans whether provides and provides the proportion, is the bank reduces individual housing loan risk the most powerful method. Based on this item, this article is for the purpose of exploring the accurate appraisal customer to pay off a debt the behavior target and the method.This article divides into five chapters, the first chapter is question proposing, described along with the service development, the scale expansion, individual housing loan business not good rate of SPDB Dalian branch has the rise tendency, in many controls risks method, before the loan paid off a debt the behavior to the customer to carry on the objective evaluation is the most effective method; Second chapter introduced SPDB Dalian branch at present the present appraisal system, the analysis points out insufficiency; Third chapter proposed five principles, the model fuzzy mathematics principle, designs 15 targets, the introduction weight concept, establishes the new appraisal system; The fourth chapter establishment appraisal model, the computation evaluation criteria value, the division grades the rank, demonstrates the new system appraisal through three cases the complete process, explains the new system the superiority and the usability. Fifth chapter summarizes the full text, proposes this article research conclusion and the innovation spot.This article studies the key point is through sends the bank Dalian branch individual housing loan customer to the water's edge to pay off a debt the behavior present appraisal system question analysis, is clear about by the quantification primarily thought, proposed establishes the new system the principle, the model fuzzy mathematics theory, designs two dimensions, 15 targets, increase the confidence level computation function, according to the AHP law and the expert advice law assignment target weight, establishes the appraisal model, the division customer pays off a debt the behavior rank, sends the bank Dalian branch existing appraisal system to improve.