The Model Of Personal Credit Risk Assessment And Analysis On Its Solution

In reform and opening up of China's financial industry gets pushed by fast development, the credit card business rapidly in China, the financial risk control is an important part in the process of using credit CARDS in credit risk control, it relates the bank liquidity and bfsi can reduce the bank credit risk purpose. Through to the credit card business risk to determine the reasons of the existence of establishing and perfecting the risk control mechanism, to appear to cash and other bad customer and risk huge potential customer to give timely warning, for resolving commercial bank credit card business risk has very important significance in theory and practice, conduce to the national economy healthy and stable development of national quality improvement.In this paper, the status and insufficient on internal evaluation of domestic credit card are analyzed; the principles and methods on the establishment of credit system are explored; a set of credit risk evaluation index system of credit card is established, which cover 4 categories or 18 indicators, including basic information, student status, school performance, internal factors, external environment, and so on. The score function and weight on the types of indicators are determined by using membership theory and AHP; and established the way of credit risk assessment about credit cards, the threshold of credit ratings is determined, the problems of the lack about the credit rating are solved.In this paper, under strengthening the supervision afterwards control of risk, based on analysis of personal credit card, a number of indicators for the classification of the credit cardholder and authorization control are established. Through real-time monitoring Cardholder transactions, after continuous cash withdrawal or frequent trading abnormal condition be a timely tracking, increase the cardholder's monitoring dynamics. Card transactions through the analysis of customer habits, and strengthen the cardholder's credit analysis and monitoring of the situation with the card regularly to the letter of control tend to provide cardholders with high-risk list and the list of bad businesses, from passive to active prevention circumvented.