Personal Credit Information System On The Control Of Commercial Banks, Credit Risk Analysis Study

Credit system is the cornerstone of modern financial system operation and it's the infrastructure that is essential for the development of credit markets. A consensus with the development of credit, preventing risks, expanding credit and promoting economic development has been reached in the countries of the world. A degree of perfection of the national credit information system will directly affect a country's financial and economic level and also have a direct impact on the quality of credit assets of the commercial banks. The personal credit information inquiry system of The People's Bank was promotioned and used, It is no doubt that an important milestone of the credit institution-building side on our country and has profound social significance and strategic significance,It has a profound social impact and important practical significance in bring our country into a credit-based society and further improving the socialist market economy and building a harmonious society.Personal credit information system plays an important role in controling the credit risk of commercial banks.The Commercial banks can understand the borrower's credit status and basic information on bank loans, it has a certain guiding role in banks making the right decision-making by querying the People's Bank personal credit information system, Therefore, the study of the role personal credit information system playing in controlling the credit risk of commercial banks has a certain importance and practical significance.At first,the concept of the credit system was introducted in the layout of the chapter, chapter arrangement of this paper was introducted in the horizontal comparison of the United States, Europe, Japan and China's credit history, also introduced data acquisition and representation in the Future data collection of the People's Bank personal credit information system, The personal loans of Chongqing bank in recent years is the focus of the article, citing a large number of cases, with data, tables and statistical analysis diagram shows, intuitive performance lies different in the use of personal credit information system as a pre-check before the Chongqing bank loan loans in the non-performing loans, the customer default rates and the use of personal credit information system as a check after the loan before the loan rate of non-performing loans. Which can show the personal credit information inquiry system having an important role in Chongqing bank personal loans in the investigation and decision-making. Chongqing bank personal loans in recent years not only by means of the achievements in the People's Bank personal credit information services inquiry system, but also benefited from their own internal structures of the individual credit information database system. Chongqing Bank applies scientific and rational way to build a set of individual credit information database model for other small and medium sized commercial banks to build their own personal credit information database, to prevent credit risks,which has a certain reference value and Significance. Although the personal credit information inquiry system for the country's commercial banks provids a platform for investigating customer credit information, to some help prevent credit risks, but, as is still in the initial construction phase, there are many places need to be further perfected. The article also listed the individual shortcomings of credit information system in controlling the credit risk. Finally, the article combined with the current international financial crisis arising from the outbreak of the credit system, the far-reaching impact and future construction and development of China's credit system have been further explored and predicated.The whole article's core point is to prevent financial credit risk in commercial banks. If relying solely on the People's Bank personal credit information inquiry system is far from enough, they should also strengthen their own internal development, perfect the system of laws and regulations of credit system, and use scientific and rational method of characteristics combined with their own bank to build individual credit information database within the credit risk to prevent and reduce the proportion of non-performing assets and improve the quality of credit assets. Chongqing Bank to build an internal model of individual credit information database, the method used in system modeling has some innovative, it is worth to promote universally.