The Customer Credit Risk Evaluation Of Bank

Since the 1980s, the individual housing loan business had been one of bank business product, in less than 20 years, the credit business has been innovated constantly, and the customer loan products has been enriched, customer credit business has become an important component of banking assets business. 2007 most countries of world have started to implement the new Basel Capital Accord. To complete the implement, China's business credit management needs to improve to a higher level.Nowadays, China's bank just at the initial stage in this field, most customer credit management assessment methods mainly based on traditional subjective discrimination, as well as personal credit incomplete data storage. And these cause much difficulty on the implementation of the new Basel Capital Accord.In this paper, first of all, author take a analysis of credit rating system of our country own, particularly on the new Basel capital implementation on personal credit rating system, and proposed some solutions of it, secondly, by the New Basel Capital Accord of the demands of the implementation gap, author has proposed a sound and reasonable propose on the establishment of customer credit evaluation index system in a systematic scientific theory as the guiding ideology, and take preparation for personal credit management system; again, based on combining statistics method of data mining technology, rough set theory, clustering, Logistic regression analysis, author take some invitational proposes on how to establish the suitable customer credit model system for credit risk management system. Finally, author give some advises for consummate domestic customer credit evaluation system.Based on system science, data mining theory, statistical methods, author try to found a method of personal credit management in line with China's national conditions, and to conducive to the implementation of New Basel Capital Accord, to increase pace of promotion of China bank credit management system.