Cq Bank Personal Credit Rating

The purpose and meaning of the researchThe socialist market economy is the economy of credit. The whole Society credit system consists of national credit, government credit, enterprise credit and personal credit. There is no place for people to survive without credit. People are the smallest unit of society economy. Personal credit is the foundation of the whole Society credit system, without which there is no national government credit or enterprise credit. So a sound personal credit evaluation system has profound effect to not only ordered market economy, society development but rapid deal, low deal cost, low credit risk and innovation of business. Currently the personal loan is mainly put into house mortgage loans. However the decrease of spread and disordered competition leads nearly zero profit from such business. Therefore, building and improving personal credit evaluation system have great meanings for bank to control risk, innovat business model and choose channels.Combining the development model of west personal credit evaluation system, the author chose empirical analysis on the status of CQ bank system, and discovered existed problems and provided suggestions for improvement.The research Method and Main pointBased on the Literature on personal credit evaluation, the author chose personal talk, data analysis and collection as examples.Above all, the author learned the development of in-board and out personal credit evaluation system through data collection and provide own opinion on in-board one by comparative analysis. Then the personal credit evaluation system that the bank of CQ needs to improve is pointed out, by means of SWOT analysis.Lastly, the problem and solution of CQ bank personal credit evaluation system will be leaded out, by comparing former theory and experience.The main point on each chapter is as follows:Chapter One:the proposed issue, the meaning content and method of this research.Chapter Two:the definition of personal credit evaluation. To poini out the problem and advice on current personal credit evaluation system of China by comparing the system difference of developed country and China.Chapter three:to analyze the development of CQ bank personal assets business by strengths, weaknesses, opportunities and threats of SWOT analysis, point out the great practical significant of personal credit evaluation.Chapter Four:Introduce CQ bank's current personal credit evaluation system development, analysis and evaluate personal credit rating system, point out the problem in Credit Rating System.Chapter Five:Aim at CQ personal banking credit evaluation system problem, give out the solution recommendations, and pointed out that CQ bank should be fully integrated its own characteristics and advantages, establish and improve a special urban commercial banking credit evaluation system.The main contribution of thesisAccording to the experience of personal credit evaluation system in a developed country, the author analyzes CQ bank's. Similar research is not many in the mainland. The author tries to make useful research in this field, to provide researcher with ways of thinking and experience. The future research directionThe personal credit evaluation system is complex. The thesis only leads a case study on CQ bank. The object and conclusion is based on the status of this bank. So some has the lack of universality.