Exploration Of Consumer Credit, Personal Credit Evaluation Method

The credit question is to concern healthily, one of the important issue of development in order of market economy of our country. When commercial banks are developing consumptive credit loan for more profit, they have to focus on how to avoid personal credit risk and improve efficiency. A suit of personal credit rating method with precise and practicality is adapted for market competition of loan business of commercial banks.The paper employs research methods with theory linked with practice. In the basis of as much as possible practical information about personal credit rating, the substance of measures of personal credit rating is summarized by concretely analysis. Taking the characters of personal credit rating into account, the method system of personal credit rating that is valuable and suitable to Chinese condition can be established.In term of that conceptive, grasping the clue of practice to theory to application, every chapter can be arranged according to the methodology of multi-index comprehensive evaluation. Except for the introduction, there are three chapters in my paper. In the first chapter, all kinds of present methods of personal credit rating are classified from the statistical angle. Then general property of these methods and problems that should be resolved are concluded. The second chapter includes the design of index system of personal credit rating, the integration of many indexes, the classification of the number of risk grade. The content of the third chapter is that the system of personal credit rating will be demonstrated in basis of the framework and surveyed data.From the whole framework, the paper does not focus personal credit classification, the meaning of developing consumptive credit loan, the function of rating, but constructs the statistical method system of personal credit rating, and undertakes research and thought about the methodology and profundity. Thus an quantitative instrument can be present for personal credit rating, and this makes the paper valuable and meaningful.