Research On The Credit Rating System Of Personal Consumption Credit Risk Of Commercial Banks In China

With the development of market economy in our country, the fund demand increasingly increment, personal credit business to become a profit growth point of commercial Banks, at the same time personal consumption credit defaults. This article from our country commercial bank individual consumer credit risk management present situation, to a commercial bank consumer credit data as an example, using the fuzzy comprehensive evaluation model, designed a personal credit scoring index system and model parameters were determined, based on establishing personal credit evaluation model, put forward the our country commercial bank individual consumer credit risk management countermeasures and measures. Research significance for our country commercial bank individual consumer credit credit assessment system and risk management to conduct a comprehensive, systematic research, provides the theory basis and practice to explore, to our country commercial bank has a certain reference significance.