2011•Credit ReferenceRequires access

Study on Development of Individual Credit Scoring under Credit Reference Bureau

Zhuang Chuan-li

Abstract

Individual credit scoring under credit bureau is widely used in foreign countries as an important tool for credit risk management.The fundamental individual credit information database has been built in China.It's of great significance for China's social credit system construction and financial institution risk management to develop credit bureau individual credit scoring.Based on an analysis of the characteristics,significance and development status for individual credit scoring under credit bureau,proposals are made for the development of credit bureau individual credit scoring in China.

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Key concepts: Credit reference, Credit history, Credit enhancement, Credit rating, Export credit agency, Bond credit rating, Credit risk, Business