| The credit question is to concern healthily,one of the important issue of development in order of market economy of our country,influence too Main bottleneck of consumptive credit development of our country. There are its deep social reasons in the forming of the credit question,among them the shortage of the credit rating system is one of the important reasons. The construction of the credit rating system involves every aspect,the evaluation system of personal credit is the important link of the whole system construction.The foundation of this text,to the investigation of the evaluation system of personal credit in the consumptive credit of bank of developed area of Zhejiang Province,research and analyze the current personal credit evaluation system of our country in terms of real example,propose that the construction key to the evaluation system of personal credit is supported by relevant laws and regulations,set up the appraisal agency of personal credit with just independence.Chapter one points out of our country consumptive credit bottleneck of development in because of shortage of credit rating system,and the evaluation system of personal credit is the important link of the institutional improvement of personal credit,.It is the key factor concerning society,financial institution,consumer's personal tripartite interests directly.Chapter two,points out on the basis of assessing etc. the defining of relevant concept for credit,personal credit,credit not merely means the simple credit activity and credit relationship,and the debt paying ability with monetary debit and credit sides person,honoring an agreement and is written down,keeps one's word in many kinds of meanings,such as degree and social prestige of taking shape from this,etc.;Personal credit is assessed and played an essential role in the development of the consumptive credit.Chapter three have carried on more systematic analysis and commentary to the evaluation system of personal credit theoretically,theory model and content of the personal credit evaluation system that have analyzed personal credit and assess especially,point out though with the development of society,means that personal credit assesses get more and more,but can't be ignored all the time as the human factor with subjective initiative;In construction of the evaluation system of personal credit,point out though the appraisal agency of personal credit has authoritativeness,but in order to protect consumer's interests,guarantee the sound development of the credit rating system,We need go on standard of rigorous lying enforce to credit appraisal agency by form that legislate to behavior theirChapter four core of this text to analyze according to Hangzhou,Ningbo,Wenzhou three personal credit real example that investigation go on of evaluation system,bank of place. This chapter utilizes SPSS 10.0 to count the software from demand analysis to the personal credit in the personal consumptive credit of bank of three places,the respects,such as analysis of the reference,risk analysis and construction of the personal credit evaluation system,etc. have carried on comparatively exhaustive real example analysis,Content involve personal credit materials obtain and verify,personal credit assess index choose,risk of personal credit take precautions against personal credit construction of evaluation system,etc.,and has carried on reason analysis according to the investigation result.Chapter five,propose that the obstacle origin that our country builds the evaluation system of personal credit lies in the information asymmetry,to the investigation result of this text,have appeared and propose correspondingly . Pointing out that setting up the evaluation system of personal credit which is based on related laws and regulations,taking just appraisal agency of personal credit of the independence as centre is the key to solving the problem,and proposed what we should do at this point. |
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