个人信用卡信用风险评价体系与模型研究

分析了国内个人信用卡信用评价的现状和不足；探讨了建立个人信用指标体系的原则和方法；建立了一套包括个人还贷能力和还贷意愿共2大类15个指标的个人信用卡信用风险评价指标体系，并设计了负债情况等3项具有双向影响作用的指标；运用隶属度原理和层次分析法，确定了各类指标的评分函数和权重；建立了个人信用卡信用风险评价模型．确定了划分信用等级的两个阈值，解决了以往信用分级缺乏依据的问题．

Research on Evaluation System and Model for Credit Risk of Individual Credit Card

This paper first analyzes the actuality and deficiency of Chinese individual credit evaluation. Then it builds on the basis of an analysis of the principle of index system an individual credit evaluating index system, which is made up of 2 categories including 15 indexes. The two categories consist of debt repayment ability and repayment will. There are three two-way infection indexes such as debt information in the index system. The score function and the weight of each index are established by adopting the analytic hierarchy process and subjection theory. Finally this paper sets up a credit evaluation model for individual credit card and defines two thresholds for credit grades, thus standards in the credit grading are set up.