Business Credit Scoring Method And Its Application

China has entered into the WTO. The capital market will be opened up. Facing the requirement of information publication and stardard accounting principles and law difference of the international market, the credit evaluation is put forward in order to solve the problem of asymmetric information between the creditor and debtor. Today, commercial bank business is diversified, the risk involves not only traditional credit risk resulted from the loan, but also discounts, overdraws and so on. How can a commercial bank forcast and avoid credit risk is one of the most important problems that are designed to be solved in the present research. Therefore, in order to study the customers credit, in this thesis we introduce quantitative technique and modern mathematics method, as well as computer technique. Through efficient credit evaluation a bank can reduce the credit risk.The traditional methods of enterprises credit assessment is decided by using synthesize score method. The shortage of this method is subjective, in that it can not be compared among industries and is difficult in deciding weight.To solve such problems, the research of the commercial bank customers' credit evaluation and application is done in this thesis. we introduce AHP method, UTAHP method, weighted square sum method, main subject method and LINMAP method. Through the comprehensive analysis and studies, new conclusions are obtained and some new ways are presented. The main contents of this thesis are following.This text, which consists of ten chapter, mainly studies theories, methods and their application of commercial bank customers' credit assessment.The first chapter deeply discussed and analysed the definition, functions and current local and international situation of credit, credit risk and credit rating credit evaluation; The second chapter systematically analysed evaluation index system, score standards and further pointed out the current problems ;The third chapter studied enterprises credit evaluation with AHP method and a case is provided to illustrate the problem;The forth chapter assessed enterprises credit throungh UTAHP method and its application are demonstrated;The fifth chapter made use of weighted square sum method to evaluate customers credit and gave its application;The sixth chapter applied main subject method to set up the evaluation model for customers credit and provided its application;In the seventh chapter, we did some research on enterprises credit with LINMAP method and offered its application;The last chapter is a summary to this research.