个人资产信用评估指标的建立

Setting-up Personal Asset Credit Rating Index

研究了国内银行及国际上通用的消费者个人信用评估指标体系,针对目前我国的个人信用评估指标中存在的定量变量严重不足的现象,利用定量方法对个人信用资产指标体系进行研究,提出了个人资产信用的概念,并采用财务分析法建立了个人资产信用评估指标。结合个人信用评估中的定性指标,可达到全面地对个人信用进行评估。

With the aid of consumers＇ personal credit rating index system adopted by banks home and abroad, and focusing on the drawback of personal credit rating index in China at present, the paper, by financial analytical approach, analyses personal asset credit and sets up asset credit rating index.