The Credit Risk Appraisal Research Of ICBC Dalian Branch Individual Housing Loan

Since the individual housing loan business of ICBC Dalian branch set up, the individual housing loan scale quantity assumes the surmounting development, but individual housing loan business not good rate also has the rise tendency, the loan risk has been gradually appearing. In the multitudinous regulative risk method, evaluating credit risk to carry on the comprehensive accurate appraisal, is the most powerful method for reducing individual housing loan risk. Based on this item, this article is for the purpose of exploring the accurate appraisal method for credit risk.This article divided into five chapters, the first chapter is question proposing, described along with the service development and the scale expansion, individual housing loan business not good rate of ICBC Dalian branch has the rise tendency, 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 introduces the individual housing loan business of ICBC Dalian development and risk questions and points out the insufficiency of the present appraisal system; Third chapter in order to perfect the appraisal system, proposes the model fuzzy mathematics principle, the introduction weight concept, the division grades the rank; Fourth chapter using a example, explains the perfect system the superiority; Fifth chapter summarizes the full text, proposes this article research conclusion and the innovation spot.The key point of this article is study the credit risk appraisal approach to individual housing loan customer, proposed establishes the improved appraisal system the principle, the model fuzzy mathematics theory. According to the AHP law and the expert advice law assignment target weight, establishes the appraisal model, the division customer credit behavior rank and improves the existing appraisal system.