Dalian City Commercial Bank Personal Credit Evaluation System Study

Personal credit evaluation system is the core of the Personal credit system and important in the construction of the society's credit system. With the development of the credit economy, the importance of the Personal credit is evidence. How to value a person's credit, in order to develop the consumption loan and private finance operation, is an urgent problem in the course of the merchant banks's development, and also a question for discussion in our nation's credit management system.At present, the research of the personal credit evaluation in Dalian is absent, the merchant banks have to establish a suit of strict rules in providing consumption loans. The complex procedures and stiffly criterions have not only improved the cost of the business, debased the efficiency of the bank's trade, but also rejected some high grade clients who in need want loans, badly blocked the development of the consumption loan, impressed the march of the private finance operation, at the same time, oppressed the needs of the consumption loan, greatly impacted credit consumption's promotion to the economy. On the other hand, the absence of the Personal credit evaluation system made a great deal of difficulties in keeping away the potential risks of the consumption loan.Written from the begin and development of the personal credit evaluation system, the paper analyses present developing situation of personal credit evaluation system in china and Dalian, in virtue of analyzing the mode of the Personal credit evaluations in foreign countries, put forward my ideas about the design for Dalian commercial bank's personal credit evaluation system.The research on the personal credit evaluation for Dalian commercial banks, one side, will supply external method in personal credit evaluation for the loaner, prevent risks from consumption loans, accelerate innovation in the private finance operation, and help the national commercial banks compute with the foreign banks, on the other hand, it will promote the consciousness of the people on credit, expedite the construction for credit system in our society and economy.