The Personal Credit Management System Based On Principal-Agent Game Model

With the rapid development of China's financial sector,the prosperity of business has gradually become the pillar of China's economy,and personal loans have gradually become the main way for young people to buy houses.Management standardization and intellectualization are developing rapidly,but the loan risk of financial enterprises is increasing.How to effectively reduce the risk has become a problem we must consider.And bank credit management plays a very important role in personal information integration and credit monitoring.1.By the use of principal-agent game model in personal loan credit of banks,combining with the actual needs of users,the overall function of personal credit management system is designed and planned.The E-R diagram of the system is designed;the function modules associated with the system are integrated with the charts,using cases,and the framework system structure is determined by analyzing the requirements of the personal credit management system.Then the principal-agent game model is used to improve the functions of the personal credit management system and reliably evaluate the star rating of each user.Theoretical basis analysis.2.The functional module of personal credit management system is realized.Firstly,the demand result of personal credit management system is analyzed,and the process and method of positioning system function are given.Secondly,using the application of principal-agent game model,the system is expanded and analyzed.After confirming the functions and methods,the functional integrity of the personal credit management system is described in detail.The personal credit security and the risk of bank loan are analyzed by the model,and the system is theoretically analyzed based on the test results.3.Through the development of personal credit management system,the principal-agent game model is used to further strengthen the application of information,efficient and intelligent technology in banks,and to improve the role of personal credit rating in banks and other financial institutions.Through continuous innovation and improvement of the functions of personal credit management system,we can reduce the risk of system use and improve the utilization rate of personal credit management system by financial institutions.Finally,the implementation process and functions of personal credit management system are analyzed and summarized.