The Construction Of Personal Credit System In China Based On Credit Card

The construction of personal credit system in China has been proposed for almost 10 years. The government made great efforts on this system. The system experienced from nonexistence to pass into existence; from place to the whole nation; from no order to standardizing. The personal credit system in China began to take shape. But, because the laws and statutes does not improve and perfect; the information of personal credit has been cut up among departments and regions;the whole nation is lack of the specific credit information services,There are a lot of difficulties and blind area in the decision of bank credit. The author had engaged in commercial bank credit examination and valuation for 3 years.Along with our country economy development and the resident consumption improvement,personal clients take up bigger and bigger, proportion in whole credit operations, which are from all professions and trades. It has been more complicated in the decision of bank credit. How to recognize,control and manage credit risk specially is worth being much accounted by commercial banks and there is practical significance to research and solve these problems.The commercial bank which author working in has realized the importance of personal client management, specially meeting the period of financial crisis in 2008, during which is just severe time of testing bank assets quality, it appears especially important to prevent and manage credit risk of personal clients.This article includes six chapters in which author first pointed out the concept of personal credit,personal credit system, as well as unified the Developed country in personal credit and working practice, then analysised the personal credit scoring; lastly proposing the key is to construct the personal credit system. The author hoped that this article will help to construct the personal credit system in China.