The Research On The Application Of Statistical Measuring Scale In The System Of Individual Credit Information

Making use of statistical measuring scale has great advantage in constructing risk evaluation system. The thesis researches on the application of statistical measuring scale in the system of individual credit information, and it also puts forward a proposal of constructing the system of individual credit information through analyzing the model of risk measuring method.The modern market economy is a credit economy. It depends crucially on the stable and reliable credit relationships based on a full-fledged and strict credit management system. As China's economy grows rapidly, the lag in the construction of a social credit system becomes more and more noticeable. Cases such as contract fraud, accounting scandals, triangle debt relations, non-performing loans etc. emerge one after another. The lack of social credit has developed into a shocking situation. Therefore, it has become an urgent issue to advocate trustworthiness and punish breach of contract as well as to rebuild the ethic code and the credit system. According to the situation of China, a personal credit system following the actual demand of banks will accelerate the banking industry and help establish personal and social credit systems, which will contribute to the general construction of a trustworthy society.The key of such a system lies in constructing an evaluation and measurement system using a statistical scale of credit risk. In fact, this provides a brand new methodology and solution to the applications. The system features a high opening degree and a large data capacity, and its data organization and model management satisfy the need of dynamic changes. Its capability of dynamic credit risk recognition and standard management can also be continuously strengthened. On the other hand, this benefits the comprehensive applied research that involves the relevant knowledge and methods.In applications, the system was improved according to the bank credit process. Here we propose for the first time that the banking process can be quantified as measurable functions for decision making, which suggests a very good concept for the process of informationization of personal credit.Firstly, the thesis has a brief presentation and an analysis of the system of individual credit information and the contemporary credit risk measurement, then, by comparing the functions of different risk measuring methods, the thesis emphasizes on the great advantage of statistical measuring scale in constructing risk evaluation system, and suggests a proposal of making the individual credit information system based on the statistical measuring scale. Finally, the thesis gives an idea of improving process after elaborating the current situation of application of individual credit system in individual credit operation, and makes the working process of bank into function that can be measured, then puts it into practice, so the thesis proves the idea by practicing.