A Study On The Information System Of Credit Risk Evaluation For Personal Consumption Loan

Since the People's Bank of China issued About Guide Notion of Commencing Personal Consumption Loan Service, the consumption loan, both types and scale, has been increasing quickly. The consumption loan has become an important business of the commercial banks in China. However, how to prevent from the risk of consumption loan is still a problem faced by the commercial banks in China. In this paper, the author ties to establish credit risk information system for personal consumption loan is discussed thoroughly. Some primary but meaningful results are obtained.At first, the main results of the study on credit risk management and credit risk information system, especially both in China and overseas are summarized in detail. , the traditional and the existing credit risk management methods and their differences are described properly.Then according to the physical circumstances of consumption loan service faced by floor banks in China, twelve credit risk evaluation indexes are inducted directly toward the customer who will have the contract of credit risk loan. These twelve credit risk evaluation indexes include 5 continuous indexes: age, residential time, employment time, annual income, financial assets, and 7 discrete indexes: employment industry, educational qualifications, professional qualification, bank deposit, house case, means of communication, insurance case. In this paper, these twelve credit risk evaluation indexes are analyzed qualitatively and quantitatively. 5 continuous indexes are quantized and the corresponding quantitative functional expression of the score of credit risk evaluation indexes is obtained.Thirdly, it is analyzed in detail that the information system for credit risk evaluation of personal consumption loan based on the body system for credit risk evaluation index. Functional division and subsystem division are made upon the information system. Service flowcharts and data flowcharts of the system are drawn. Data dictionary, system functional module, database and system prototype realization are designed.