China's Commercial Bank Personal Credit Risk Management Study

Since the late-1990s, Our country Bank's credit operation has presented the fast development tendency, the loan remaining sum rises unceasingly, the personal credit service takes the credit operation the important constituent development to be more rapid, already entered the development high speed growth period. Between the current various countries banking industry's competition more and more intense, the overseas various banks are making the mechanics of banking strategic adjustment in abundance. Because the personal credit service it is in sole possession of the characteristic, the capital consumes, the profit space to be big lowly, more and more receives the bank the attention, the retail sales has become the personal credit service structural adjustment's basic trend. After 97 year financial storm, in 2007 the American secondary room loans the crisis affect the whole world again, the caution Commercial bank must Value the personal credit service risk management. Strengthens the Commercial bank personal credit risk management research to have the vital practical significance.This article vigorously develops the personal credit service take the current our country Commercial bank the present situation as a premise, through to the Commercial bank personal credit risk management's research, analyzes our country Commercial bank personal credit existence some questions and the personal credit risk management present situation, elaborated two Commercial bank personal credit risk assessment method, proposed promotes our country Commercial bank personal credit risk management level the countermeasure suggestion.This article mainly divides into four parts.The first part has made the outline on the Commercial bank personal credit risk management. Has limited the personal credit meaning, has made the classification to the personal credit service, has analyzed the reason which the personal credit risk's type and produces.The second part has made the analysis to the Commercial bank personal credit risk management present situation. Mainly elaborated our country Commercial bank personal credit risk management present situation and the existence question. Made the upholstery after chapter's elaboration. The third part elaborated two Commercial bank personal credit risk assessment method. Proposed that the multi-factor fuzzy evaluation model degrees of comparison grading law surveys the personal credit risk by this. Meanwhile has carried on the gambling analysis to the personal credit process's control, under the gambling premise supposition condition, constructed the personal credit gambling model to control the personal credit risk by this.The fourth part elaborated how to promote our country Commercial bank personal credit risk management level. Put forward individual proposal on the improvement Commercial bank personal credit risk management external environment and the risk management internal measure.Our country Commercial bank's personal credit service is rapid in the first half of this year's development condition, increases the personal credit risk management the research becomes especially important, nowadays to this kind of question system research's literature is not many, this article to promoted the Commercial bank personal credit risk management level in the quite systematic research foundation to put forward the corresponding countermeasure proposal.