On The Risks And Countermeasures Of Personal Credit In China

Since the 90s of the 20th century,the credit business of commercial banks in our country has experienced a rapid development.The amount of loans has been steadily increasing.As an important part of the credit business,the personal credit business has also developed very rapidly and has entered a period of rapid growth.At present,the banking industry in various countries in the world is fiercely competitive,and all the banks have successively adjusted their banking businesses strategically.Personal credit business has drawn much attention of the banks because of its profit margins,low capital consumption.In this paper,it introduces the personal credit business,including the definition and classification of personal credit,the status and role of personal credit,personal credit risk classification,and some basic theories.Furthermore,it introduces and evaluates the development status of X Commercial Bank in our country and also summarizes the development characteristics of its personal credit business.Based on Logistic regression analysis,a personal credit scoring model was constructed.The personal credit analysis model was established by game theory.According to the personal credit risk of commercial banks,two evaluation methods are elaborated,and some suggestions are put forward to the level of personal credit risk management of commercial banks in our country.