Personal Credit Management Research Of Changning Branch Of ICBC

In recent years,China's credit investigation system has been developing rapidly and has become an important means in the banking risk control management system.Most commercial banks also pay more and more attention to the application of personal credit investigation system,and the personal credit report inquiry is an indispensable part of the credit underwriting business.The personal credit report is gradually becoming the "economic identity card" that focuses on the credit information,reflects the situation of personal bank borrowing,observes the contract and abide by the laws and regulations.But from the current practice of personal credit system,there are still many shortcomings,and it is an urgent problem to adjust and improve the credit system.This paper takes the personal credit management system of changning branch of ICBC as the research object,and then analyze and organize the internal data such as the annual assessment report,case analysis report,etc.,and the problems encountered in daily work,The results show that there are different levels of information collection,information updating,information source object and other aspects in the process of personal credit system of changning branch of ICBC.Therefore,on the basis of the literature research method,the improvement plan of the personal credit management system of changning branch of ICBC is designed based on the improvement idea,and the improvement content.At the same time,questionnaire survey and statistical analysis were used to test the effectiveness of the improvement program.This paper found the personal credit system of changning branch of ICBC existing the problems in the actual use of incomplete information,and lack of some information update not in time,for a more detailed customer information,the information recorded in the one-way,objection handling difficult,complicated personal credit report,customer information is difficult to grasp.At the same time,in view of the changning branch of ICBC of personal credit reporting system of the proposed improvement program,through the empirical analysis found that the perceived of use and perceived ease of usefulness of improved personal credit reporting system have improved to a certain extent.According to the research conclusion,the following suggestions are put forward for changning branch ofICBC: to broaden the sources of information and to attach importance to data quality,perform timely notification of obligations and discriminate against adverse records,improve the reading ability of personal credit report and strengthen credit investigation and propaganda education.