Analysis On The Running Effect Of Personal Credit Scoring System In C Bank

In recent years,as the level of national income constantly grows,people's need for personal financial products keeps increasing and the market of personal credit business encounters a golden opportunity for advancement.Therefore,all banks are boosting efforts to make profit from the personal credit business which features small amount,large quantity and high frequency.However,traditional method of manual approval can hardly meet the demands of this business which keeps increasing in scale,nor can it adapt to the risk management that is more and more elaborate.Only by adopting a scientific and reasonable personal credit scoring system,can commercial banks establish themselves in the ever-expanding domestic personal credit business market and obtain a more extensive space for development.As for the research on personal credit scoring system,most existing studies and works are centered on the principles of credit scoring or devoted to giving advice on optimization models,while those focusing on practical application are few.Based on the situation stated above,the thesis taps into the topic with the personal credit scoring system of C bank as the entry point.Firstly,it introduces the architecture of the personal credit scoring system and teases out its process;second,it expounds the most central part “comprehensive decision”,which integrates clients' information,risk decision regulation,business decision regulation and application scoring card,and acts as a unity of data,model,regulation and system.Then,it further displays the whole process of credit scoring through case analysis;Third,it compares the performances before and after the application of the personal credit scoring system based on actual business data,further evaluates the system's ability of discriminating between good and bad using confusion matrix and indicates the influence of critical value,manual repair strategy and monitoring and tracing system on the operation effect of the system;at last,I think that the personal credit scoring system is essentially a tool assisting commercial banks to implement scientific management and its operation is a systematic project.All links including standard and comprehensive data sample,multidimensional and reliable variable indicator,appropriate and applicable model design,clear and accurate strategy allocation,regular and efficient system operation and sustainable and dynamic monitoring and tracing play a determining and crucial role in the operation performance of the system.Through studying the operation effect of C bank's personal credit scoring system,this thesis aims to achieve a perfect and efficient personal credit scoring system,give full play to the system's effect in risk management of commercial banks,create a fair and healthy financing environment,boost the economy to develop steadily and provide reference for the construction of credit system in our country.