个人信用风险评估模型发展研究

Analysis on the Development of Personal Credit Risk Assessment Model

个人信用风险评估是我国商业银行信贷风险管理的重要内容。为了有效识别个人信用风险,规避由于借款者违约而给商业银行经营带来损失的风险,本文对个人信用风险评估的发展历程以及信用风险研究的模型进行了总结。个人信用风险评估的模型存在一定的缺点,还须进一步完善研究方法,得到更精准的模型,降低风险问题的发生概率。

Personal credit risk assessment is an important content of our country commercial bank credit risk management, in order to effectively identify individual credit risk, avoid because borrowers default and bring the risk of loss to commercial banks, in this paper, the development of personal credit risk assessment and credit risk models of research were summarized. There are some shortcomings in the model of personal credit risk assessment, and we need to further improve the research method, get more accurate models and reduce the occurrence probability of risk problems.