Research On Measure Of Commercial Bank's Consumer Credit In China

With the rapid growth of the consumer credit fairs in commercial bank of our country, individual consumer credit violation event common occurs, individual consumer credit risk evolution technique and management capacity of commercial banks urgently to enhance. In this case, the comprehensive, systemic research on individual consumer credit theory, consumer credit risk theory and individual credit evolution is of important theoretical value and practical significance.Embarking from the meaning of consumer credit, the article summaries the risk of consumer credit and explains the importance to establish credit scoring model of consumer credit. The main research of this article is basing on determining individual credit appraisal target suited to our country's actual situation, then designs the target system of individual credit scoring with consumer credit data of a commercial bank in Shenzhen and logistic return method, establishes individual credit scoring model including testing. At last, the article discusses the application of the individual credit scoring model in consumer credit domain, and points out the possible problem and concrete solution at the practical application of individual credit scoring model. The research content in the article provides a rationale and the same time a practice.The main innovation spot of the article is firstly with comparing the target system of individual credit scoring establishes individual credit scoring target system basically, and then taking the consumer credit of a commercial bank in Shenzhen as an example, establish the individual credit scoring target system with Logistic return statistical analysis method, it is of important reference value to commercial bank of our country. Moreover, practical consumer credit data is adopted in the process of the model establishing, it conforms to the practical requirement of commercial bank to the control of individual credit risk, and provides the research achievement of practical value for the commercial bank of our country to elaborate individual credit from now on.