Construction Research On Personal Credit System Of China Construction Bank

As electronic technology and the rapid development of network and extensive use, on the one hand to make transactions more convenient, unlimited extension of trading space, but on the other hand, so that each investment and the transaction itself implies enormous risks, a person's assets status, income and liabilities, breach of contract records is not purely personal affair, and is directly related to the individual's performance capacity, the performance of their personal ability to relate to others the extent of the expected benefits of implementation. Therefore, in order to reduce transaction risks and costs, to ensure orderly trading and transaction safety, security and normal social and economic order, and improve transaction efficiency, an objective need to be more rapid on the China Construction Bank, objective and accurate understanding of each other's credit.According to our country's accession to the WTO commitments, in 2006, the complete elimination of geographical restrictions on foreign banks, the abolition of all existing foreign bank ownership, operation and the establishment of the form of restrictions on non-prudential measures, allowing it to enjoy the Chinese-funded banks the same treatment, this means that China's capital market fully integrated into the international capital market, competition environment of Chinese commercial banks and foreign banks the same competition, Stranger to the international customer base will increase our country commercial bank credit risk management more difficult, in a word, in an open international financial markets, the new range of business risks will eventually manifested as the credit risk. Therefore, at such a development environment, effective supervision of credit risk in order to enable the bank's credit risk monitoring to adapt the international financial industry credit risk management development trend which is also the China Construction Bank to increase the international competitiveness of the required.Personal credit information system can effectively reduce the personal financial transactions because of information asymmetry arising from moral hazard and adverse selection problem, the China Construction Bank to credit the healthy development of individuals plays an important role. In this paper, the development process of the personal credit information, the reference to foreign personal credit information system construction and development of advanced experience, to take the theory and practice of combining research methods, in view of the current personal credit information system CCB exist a number of issues and constraints to do an in-depth analysis, research of building a personal credit information system Construction Bank strategies and methods in order to deepen the bank's personal credit risk monitoring and enhance the core competitiveness of China Construction Bank.