Internal Personal Credit Score Card System Research Of S Bank

along with the economic globalization, the deepening of China’s financial openness,banking industry is facing unprecedented opportunities for development, at the same time,also faces competition from international Banks and challenges. S bank as a member of thejoint-stock commercial Banks, in the risk for developing a lot, and credit risk has alwaysbeen one of the major risks it faces. The new Basel capital accord, for the retail creditraised "senior internal rating method" requirement, set bank regulatory capital levels haveto their credit assets risk level, especially the credit risk levels are closely linked. So how toS bank personal credit for effective credit risk management, how to build adaptive S bankpersonal credit risk assessment model has very important practical significance. Thisarticle from the perspective of credit risk, the study demonstrates the credit risk facing thecommercial Banks in China, this paper expounds both the credit risk management ofcommercial Banks are facing the status quo, this paper introduces the international creditrisk management tools are widely used, at the same time of credit risk, commercial bankcredit management status, personal credit scoring model on the basis of in-depth study,according to the actual situation of S bank personal credit business, choosing right S bankpersonal credit status of credit scoring model, and analysed and studied.