Personal Credit Rating

Market economy is credit economy. Credit is the base of market economy and keeps economy stabilization. It is very significance that the developments of credit will impulse and perfects the function of market economy. The whole society credit system is made up of national credit, governmental credit, corporate credit and personal credit. Because the base of credit is instability in our country, credit evaluation system is integrated and credit crisis appears in our country. It holds back the development of economy. Personal credit is the base of the whole society credit system. All kinds of credit relations can be ultimately mapped on personal credit. So the key to solve the credit crisis is to set up a personal credit evaluation system that must be suited the situation of our country as fast as possible.The author presents her points about the development of personal credit system in our country. Personal credit includes moral credit and asset credit. At present personal credit evaluation only evaluates personal moral credit and neglects personal asset credit. And the author points out a suit of perfect and applied model of personal credit evaluation.The paper is composed of six chapters:Chapter 1. Introduce the content and significance of question for research; the research situation on personal credit evaluation in other countries.Chapter 2. Give a certain definition of personal credit. It is made up of personal moral credit and personal asset credit. And asset credit is as important as moral credit.Chapter 3. Introduce the system of personal credit evaluation be used to make decision of loan in commercial bank and point out the problems in this system.Chapter 4. In order to resolve the problem that personal credit evaluation only evaluates personal moral credit and neglects personal asset credit. We shouldevaluate and grade personal asset.Chapter 5. Based on the above study, discusses the effects of 4C factor and set up a model of personal credit evaluation.Chapter 6. Points out suggestion of personal credit system. Puts forward we should set up a perfect system that a system agency organization is center and correlative society departments are branch.