建立我国商业银行个人信用评估体系的思考  

Thoughts on Establishment of Personal Credit Evaluation System of Commercial Bank

作　　者：黄儒靖[1] 

机构地区：[1]西安交通大学会计学院,陕西西安710061

出　　处：《云南财贸学院学报》2004年第3期21-24,共4页Journal of Yunnan Finance and Trade Institute

摘　　要：发展消费信贷是中国商业银行扩展业务空间,形成新的利润增长点的内在需求,然而消费信贷交易行为中存在的严重信息不对称现象,无疑将会给作为授信机构而处于信息劣势方的商业银行带来极大的信用风险,建立商业银行个人信用评估体系,是有效防范消费信贷信用风险的现实选择。尝试性地对如何构建中国商业银行个人信用评估体系提出一个粗线条的思路框架。To promote consumer credit services has become an internal demand for extending commercial bank service range and creating a new point for profit growth. However, when people are dealing with consumer credit service, information asymmetry will no doubt bring enormous credit risk to the commercial bank as authorization organization. To build up personal credit evaluation system for commercial bank could be a practical choice to efficiently prevent credit risk in consumer credit service. This paper aims to bring up a experimental sketch on how to establish the Commercial Bank Personal Credit Evaluation System.

关 键 词：个人消费信贷 信用风险 个人信用评估体系 个人信用联合征信 

分 类 号：F832.479[经济管理—金融学]