A Basic Study On The System Of Personal Credits Evaluation Based On AHP

Because of the product feature, the operation of the credit card is high-risk and its courses are very complicated. Personal credits evaluation is the first step of avoiding the risk of credit card. China is yet in the growing-beginning of the credit card industry, comparing with the foreign countries, the experience of the personal credits evaluation is deficient, and that, the whole native credit card industry always refers to the technology of credits evaluations from foreign banks, all of the above-mentioned factors make against the healthy development of credit card industry in China. Withal, I want have a try to build the model of the personal credits evaluation which depends on expert-fuzzy analysis, I believe it will have the meanings of the practical references and the guidance for the united of the personal credits evaluation and the sinitic credit card industry in order to avoid risk and grow healthily in the future.The paper is mainly divided into five parts:Chapter one is the introduction, it explains the research background and do a summary to the domestic credit card market and the system of the personal credits evaluation and proposes the research contents and approach on this basis.Chapter two transitions to credit cards and credit risk management. Introduce the credit card and the credit card business of risk management concepts and classification of which preparing for the next chapter.In chapter three, the checklist of personal credit evaluation is constructed; this is the beginning of the credit card business processes and it is the protection basis of credit card risk prevention. This chapter introduces the concept of the personal credit evaluation, classification and meaning, the status of personal credit evaluation in China and inadequate, meanwhile, also introducing the evaluation of individual credit on the United States and enlightenment.Chapter four is the model structure and data acquisition. The paper will be combined with data collected from a sample of experts-questionnaire and use AHP software to establish the model. After that, it uses the Expert Choice software to analyze the model data.In the last Chapter, we get conclusions and prospects. The paper analyzes and summarizes the conclusions of the previous chapter, and points out the inadequate in the study and the direction of future research.