The Research For Commercial Bank Consumer Credit Performance Evaluation

Consumer credit is a personal and family used to meet personal needs (except real estate mortgage) credit, and credit the opposite. Consumer credit is a commercial enterprise, bank or other financial institutions to provide credit to consumers individuals. Mainly for consumers to purchase consumer durable goods (such as furniture, appliances, automobiles, etc.), housing and various services. It is a can stimulate consumer demand, rich banking and asset structure of important business. With the U.S. subprime mortgage crisis and evolve into a global financial crisis, many financial institutions, particularly commercial banks are beginning to realize the need for consumer credit and the importance of performance evaluation. Commercial bank credit management performance evaluation is from the bank owners and relevant interest groups in terms of its bank credit business, operating results and efficiency of an objective, impartial and comprehensive evaluation, and encourage banks to strengthen credit risk management, improving efficiency in the use of funds. Domestic commercial banks are often academic performance evaluation more, but for the consumer credit business performance evaluation literature are few.This article first performance evaluation of commercial banks related theories are reviewed and analyzed the performance of commercial banks'consumer credit evaluation of feasibility, and then introduces the performance of commercial banks' consumer credit rating system of evaluation methods can be used; Secondly, the paper-based Factor analysis of commercial banks consumer credit evaluation system, including:Index system design and factor analysis of the steps and principles; third, this in Hunan Province selected 10 commercial banks for the sample data an empirical analysis, reached the 10 commercial banks and consumer credit scoring performance rankings; Finally, empirical results proposed in this paper improve the performance of commercial banks, consumer credit policy recommendations, including improving the external environment and enhance both the competitiveness of the banks themselves. Improve the external environment include:create a personal credit system, improve relevant laws, improve social security conditions, construction and management of housing mortgage loan securitization; enhance their competitiveness banks include:development of a variety of consumer credit system, strengthening consumer credit business management, the establishment of consumer credit risk management system, strengthen staff training to improve the level of credit.