Research On Optimization Of Personal Consumption Credit Risk Evaluation Of ZX Bank Xi’an Branch

As the fast development of China’s economy,the steadily improvement of per capita income level and the rapid growth of personal consumption market,the development of personal and consumer credit business not only brings new opportunities for commercial banks,but also brings new challenges for commercial banks’ risk management.Because of the significant difference between individual consumption characteristics and consumption characteristics of enterprise organizations,a large number of credit risk assessment methods about enterprises in previous studies are not suitable for personal consumption credit risk assessment.Therefore,based on the situation of ZX Bank Xi’an Branch,this paper uses the method of combining the theory of risk assessment,then combines the theory of personal consumption credit risk management with the personal consumption credit risk management status of ZX Bank Xi’an Branch.This paper makes a depth study on the bank’s personal consumer credit business risk assessment.Firstly,this paper summarizes and elaborates the related theories of personal consumption credit risk evaluation of commercial Banks;secondly;this paper analyzes the current situation of personal consumption credit and risk evaluation in ZX Bank Xi’an Branch from the development status of personal consumption credit and the current situation of personal consumption credit evaluation,and puts forward the existing problems and main reasons for the risk evaluation of personal consumption credit;based on the aforementioned analysis and FICO scoring model,the paper constructs the personal consumption credit risk evaluation index system of the ZX Bank Xi’an Branch,constructs the personal consumption credit risk evaluation model based on AHP and fuzzy comprehensive evaluation method,and quantitatively and scientifically analyzed the risk of personal consumption credit of the ZX Bank Xi’an Branch.Finally,the paper puts forward corresponding safeguard measures for personal consumption credit risk evaluation in ZX Bank Xi’an Branch.The conclusions can not only provide reference for management of personal consumption credit risk of ZX Bank Xi’an Branch,but also have certain reference value for other commercial Banks to improve the risk management system of personal consumption credit business.