Research On Inside Personal Credit Score

Chinese market economy is facing many transformation courses. Among these courses, we are challenged by many problems which are difficult to resolve, of all the problems thei most extrusive one is credit. Credit is the basis of the economy developments, and the condition of normal trade relationships as well as all economic businesses. It will affect our country' s economic operations if credit is not well resolved. It isn' t very long before us developing market economy, and at the same time credit is always an important factor which affects our country' s economic developments.The whole society' s credit system is composed of government' s credit, enterprise' s credit and personal credit. Personal credit is the basis of the whole society' s credit system. All the credit problems will be resolved on the premise of personal credit problems improving.Therefore, the urgent affairs are using foreign personal credit system' s maturity and successful experiences for references, combing our own actual conditions to establish and perfect personal credit score system.According to the guide of the systemic method, this text offer the basic theory and method about the personal credit score, analyze the present conditions of personal credit score models inside and outside, and point out that the domestic personal credit score models are weak less manipulate, the score index is not only too trivial but also waste time and request too much from the workers. So it makes against the application.Due to the above situation and thinking about our national situation, the writer found a set of personal credit score model according to combine the fix determine and fix quality methods, and bring to bearing the expert investigating method. This model which is aiming at the old trivial, hard to operate, bad practicability score models, not only has built a set ofsecond class score index system according to the simple, convenience, capable and utility principle, but also adopts the traditional expert investigation to re-enactment the kinds of index;design a set of personal credit index marking standard;offer the correspondence credit grades for the scored people .As a reference for the score worker, this is not only add more practicability , but also provide some basis for our national credit management. In the end, the writer brings forward his own countermeasure according to perfecting our national personal credit score system. It is individually discuss the personal credit score countermeasure from the aspect of basis construction, score market, industry construction, monitor management, rules and regulations, and personal credit advancing etc. It makes the method and theory applying to practice, and makes the personal credit score industry developing quickly.