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针对信用风险是个人消费贷款面临的最大风险这一问题,分析了信用风险的基本特征及管理的总体思路,设计了一套信用风险的评价标准,并说明了如何量化管理,指明了信用分析的要点,论述了分析过程。
Aiming at the problem that credit risk is the biggest risk to personal consumption loan, this paper analyzes the basic characteristics of credit risk and the general idea of management, designs a set of evaluation criteria of credit risk and shows how to quantify the management, Points, discusses the analysis process.