In the first part , the paper puts forward to improving professional method and the paper uses multi - attribute decision methods of decision analysis theory to solve traditional " 5c " methods 在第一部分，文章提出改进专家方法和信用评分方法。在改进专家方法中，笔者利用决策分析理论中多属性决策方法，试图解决传统“ 5c ”方法存在的不一致性和主观性问题。
The purpose of this article is to establish a credit - rating forecasting model used to rate the credit of the borrowers of state student loan ( the students ) . the writer hopes that this model will help the banks to learn about the future credit of the borrowers before loan providing . so the banks can make a proper decision 本文的写作目的就是建立一个用于预测国家助学贷款中借款人(学生)的信用评分的模型，以此来帮助办理助学贷款业务的银行在发放贷款之前，就对贷款的申请人将来可能的信用度有所了解，以便做出是否放贷的决策。
To make up the shortages in practice of that network , the thesis synthetically exerts the principal components analysis clustering analysis and fuzzy c - means to offer the initial training samples for the network , then makes use of the genetic algorithm to find the best parameters group , in the end of this thesis , as an example , evaluates the credit grades of the 57 pieces of customers of a domes tic pharmaceutical group , giving out each customer ' s credit grade and the degree belonging to that grade as basis for the enterprises to investigate the credit status and determinate the quota 为克服该网络实用中的不足，综合运用主成份分析( pca ) 、聚类分析和模糊c -均值( fcm )等方法，为该网络提供初始训练样本，并采用遗传算法对该网络关键参数组合进行寻优。最后以国内某制药集团57份客户信用评分结果为例，进行应用分析，给出每个客户的信用等级和对该等级的隶属度，作为企业审查客户信用水平、确定信用限额的依据。
( 2 ) computing the weights of the indexes : in this part , the writer combines the delphi method with the ahp ( analytic hierarchy process ) method to work out the weight of each index . then the writer transforms the weights into centesimal weight scores and gives the scoring standard 在这部分中，本文把delphi法(德尔菲法)和ahp法(层次分析法)相结合，计算出指标体系中各指标的权重，并把权重转换成为百分制的权数和制定了相应的计分标准，得出了国家助学贷款信用评分表。
For advancing the core competition complicity and exploiting international market , this article quite systematic research credit risk measurement technology and management way , the main conclusion as following : analyzing several commonly used credit grading methods ’ good and bad points and their compatibility . facing to the characteristic with finance data lack in our country , using the grey systems theory , we propose one kind of credit grading method based on the degree of grey incidence in view of keeping away corporations ’ default , and gives the example analysis 本文围绕提升商业银行核心竞争力和开拓国际市场的实际需要,针对我国商业银行信用风险管理中的关键问题,如信用风险度量技术和管理方式等进行了系统的研究,主要内容如下:分析了几种常用信用评分方法的优缺点及适应性,为有效防范企业违约,针对我国金融数据少的特点,提出了一种基于灰色关联度的信用评分方法,并给出算例分析。
At first , this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system , and established the system of personal credit evaluate ; the second , the thesis discusses the investment technique and strategy of national debt in the provident fund , and established the model about how to invest the national debt ; the third , the thesis build the forecast model about fund collecting and drawing , and make use of the combination invest theories to build model of individual loan and national debt ; at last , the thesis analyses the risk ' s inside reason of house funds with the risk type , and to give out the related suggestion to funds risk . mechanism . the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds 本文首先分析了个人住房贷款制度基本要素，即贷款期限、贷款利率与抵押物价值的比例、政府在个人住房贷款市场中的作用、贷款违约情况下的处置措施、个人住房贷款的流动性问题，并对中外制度作了比较，建立了个人信用评分评级体系和信用评估模型，并以重庆市住房公积金为研究对象做出了住房资金个贷风险评估的实证研究；其次，分析了影响国债价格走势的因素，讨论了公积金国债的投资技巧和策略，并建立了基于理论的国债投资组合模型；接下来，根据资产负债管理理论中的资金总库法和资金分配法分析了公积金总体资金项目的来源和运用，并就此作了总量平衡模型，对住房公积金季度累计归集金额作了直线回归和季节趋势比率预测，运用投资组合理论建立了公积金个人贷款和国债投资组合的最优化模型；最后，探析了住房资金风险的内在原因和风险类型，从资金筹集风险、信贷回归风险、保险机制、法律风险和政策风险五个方面为住房资金风险防范机制建设提出了相关建议。
( 3 ) demonstration : on the basis of the former two parts , the writer selects four borrowers " information randomly , and uses these information to get the credit scores of each borrower . then the writer compares the scores with the real performances of the borrowers , and gets a satisfying result 在前两部分工作的基础上，本文随机选取了四个贷款学生的信息资料，并用这些资料所提供的信息代入国家助学贷款信用评分表，将所得的信用分值同这些学生的实际履约情况相比较，得到了满意的结果。
The construction of this paper as follows : chapter 1 , general introduction ; chapter 2 , the theoretical knowledge of commercial banks " individual consumption credit risk ; chapter 3 , the developing course and current situation of commercial banks " individual consumption credit ; chapter 4 , the analysis of commercial banks " individual consumption credit risk ; chapter 5 , the analysis of reasons of causing commercial banks " individual consumption credit risk ; chapter 6 , the judgement and evaluation of commercial banks " individual consumption credit risk ; chapter 7 , the counter - measures of defending commercial banks " individual consumption credit risk 本论文通过对前人理论进行总结和运用，形成一定的理论认识；接着对我国个人消费信贷发展现状进行分析，在实证分析的基础上进一步研究制约个人消费信贷发展的各种因素；然后分析商业银行个人消费信贷面临的种种风险，并采用实证分析的方法来说明风险具体表现在哪些方面；再后，找出商业银行个人消费信贷风险形成原因；最后，通过确定信用评分标准和设计信用评分模型来控制个人消费信贷风险，并以此提出防范和化解消费信贷风险的对策。
The paper is divided into four parts . the first part introduces the credit theory , the major content includes the credit implications and the economic meaning of the credit ; the second part introduces the foreign countries experience about the credit system establishment ; the third part explains the present situation of our credit system construction , and illustrates the major task we should do . the fourth part makes the research on how to build the personal credit evaluation model 本文共分四部分，第一部分介绍信用理论，主要内容包括信用的含义和信用的经济意义；第二部分介绍国外建立信用体系的经验，其中又分为美国等一些发展程度高的国家和信用初建的国家；第三部分说明我国信用建设的现状和我国主要应做好哪几方面工作；第四部分对我国个人信用评分模型进行初步研究。
